After buying a house, if the seller’s property certificate comes out and refuses to transfer the property, it needs to be resolved through negotiation.

The transfer procedure is generally as follows:

1. Select the property and sign the purchase contract;

2. Apply for a loan from the bank, but the bank does not currently accept individuals To apply for a second-hand housing loan directly, you need to apply through an intermediary company or guarantee company first (for details, you can consult your local bank);

3. Submit relevant information, generally speaking: proof of identity, proof of marital status (marriage certificate, divorce certificate or unmarried certificate), income certificate stamped with the financial seal of the unit, a copy of the business license of the unit that issued the income certificate stamped with the official seal. Some banks also need to provide the applicant’s academic certificate and asset certificate (deposit certificate, certificate of ownership). (price certificate, car, real estate), professional title certificate, etc.;

4. The bank will assign a lawyer to talk to the loan applicant, inform them of the relevant rights and obligations, and review the relevant certificates, documents, and information provided by the applicant.

5. The bank assigns an appraiser to evaluate the property purchased by the loan applicant to determine the loan amount (generally lower than the actual transaction price);

6. The lawyer submits the "Legal Opinion Letter", the appraiser submits the "Evaluation Report", and the bank reviews the applicant's credit based on the above information to determine whether to provide a loan and the amount of the loan;

7. After the bank determines that the loan can be provided, it will issue an " "Loan Commitment Letter" notifies the buyer and seller to handle the transfer, and the buyer submits payment to the seller on the day of transfer or at the time agreed in the contract between the buyer and seller;

8. After the transfer, the bank sees other power certificates or mortgages After registration or at other times specified by the bank, the bank transfers the loan portion to the seller, and the buyer begins to repay the monthly payments.