The process of selling a house is like this: the buyer and seller get their ID cards and the seller's real estate license, go to the real estate trading center to handle the contract for buying and selling a house, and then pay the down payment for buying a house. Property buyers apply for provident fund loans. After the loan is approved and issued, both parties go through the house purchase formalities at the trading center and pay the final payment to the seller. Pay deed tax, business tax, etc.
I bought a house with a housing provident fund loan. What if I want to sell it?
You can resell it, but you can't buy or sell it directly before the housing provident fund loan is repaid.
1. mortgage: in the sale of second-hand houses, it is popular to apply for personal housing loans to change the loan term, change the borrower or change the collateral by selling or transferring the personal housing to a third person.
2. Pay off the remaining loan with the buyer's down payment: this is the most widely used mode in second-hand housing transactions at present. This method is suitable for the case that the original owner's loan amount is low or the remaining loan amount is small after a large amount of repayment.
3. Use bank loans to pay off the remaining loans. If the seller wants to pay off the loan before selling the property or the buyer is optimistic but unwilling to buy the property with outstanding loan, this method can be adopted.
First of all, you need to apply for the documents of the house, including the real estate license and land certificate. Secondly, go to the bank to pay off the housing provident fund loan and get his warrant back. Then, take other warrants to the Housing Authority for cancellation. Finally, according to the procedures stipulated by the local housing management department.
Extended data:
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.
Advantages of provident fund loans:
First, the interest rate of provident fund loans is preferential.
With the same loan amount and repayment period, provident fund loans can save tens of thousands of yuan in interest than commercial loans.
Second, the repayment of provident fund loans is more convenient and flexible.
Buying a house with a provident fund mortgage loan, the bank's repayment method will be more flexible than buying a house with a commercial loan. The borrower can determine the monthly repayment amount by himself, provided that the monthly repayment amount is not lower than the minimum repayment amount stipulated by the bank.
Third, provident fund loans have fewer restrictions on the purchased real estate.
At present, major commercial banks have many restrictions on second-hand housing loans. It is difficult for banks to apply for housing loans for second-hand houses with excessive housing age, poor location and poor mobility. However, for the purchase of houses with provident fund loans, banks have relatively few restrictions on the age of second-hand houses. Second-hand housing age and housing loan life add up to less than 50 years, you can apply for provident fund mortgage loans.