The house can't be put on the same day and transferred, and the transfer can't be completed in one day, because it takes about 1-2 months to put on the second-hand house and transfer. The specific time required depends on the relevant regulations of the bank and the Housing Authority. To apply for a mortgage, you must pay off the mortgage first. The bank will display the settlement procedure within 1-3 working days. With the settlement procedures, go to the real estate bureau, and now the real estate can be released. Normal real estate license issuance must go through relevant procedures. Then you should bring your house purchase contract, ID card, bank card, loan contract, etc. Go to the real estate transaction hall for cancellation.
How to release the mortgage after the mortgage is paid off? 1, loan settlement. After the borrower's loan is settled, he shall present the loan settlement notice issued by the bank to the management department and the sub-center to issue the Notice of Cancellation of House Property Right Mortgage in triplicate, one of which shall be kept by the center and the other two shall be handed over to the borrower.
2. Obtain the real estate license. The borrower holds his/her ID card and goes to the central personal loan department and sub-center to get the real estate license and the notice of mortgage cancellation issued by the central personal loan department, sub-center and trading center.
3. Make a clear bet. With the above procedures, the borrower goes to the property rights trading center of the city to handle the mortgage cancellation procedures.
After all, the matters needing attention in the mortgage cancellation of real estate are between buyers and sellers, or between buyers and intermediary companies, and between buyers and guarantee companies. Especially if the seller chooses to use the buyer's down payment office to understand the mortgage situation, there will be related matters that need the attention of both parties.
For the seller:
1. If you don't choose to use the buyer's down payment office to understand the mortgage procedures, it means that you need to choose one of the two ways: an intermediary company or a third-party financial institution. It should be noted that both intermediary companies and third-party financial institutions suggest choosing more formal companies. If you choose, regular companies are more in line with the procedures and have corresponding regulations, which can bring better services. Moreover, the fees charged by regular companies are also reasonable, and there is basically no arbitrary charges as expected.
2. Obtained the consent of the bank. According to the regulations, the mortgaged real estate shall not be transferred or leased without the consent of the mortgagee. Especially before the sale and transfer of houses, the consent of banks must be obtained. If the bank doesn't agree, it can't transfer money.
Be sure to read the contract carefully before signing it. No matter with the buyer, intermediary or third-party financial institution, it is necessary to sign a contract. This contract is legally binding. In the event of a dispute, this contract is a particularly important basis, and it is necessary to clearly stipulate the loan amount, loan time and loan purpose in the contract.
For the buyer:
1. is also a contract. It is best to clearly list the loan amount, loan time and loan purpose. In the contract, but also in the contract to explain the mortgaged house, so that buyers know what kind of house down payment they have paid. So write all these details into the contract. If the seller breaches the contract and does not intend to return the down payment or continue the transaction, he can be held accountable according to the contract.
2. Please ask the seller to handle the transfer as soon as possible. Generally, after signing the contract, you can transfer the ownership. If the seller's house is over two years old, the transfer of the commercial house can be handled immediately after signing the contract. If it is affordable housing, it can be transferred after five years to avoid major changes.