1. The original lender and the intended purchaser negotiate and reach an agreement on the transfer of the loan house, including the transfer price and responsibilities.
2. Contact the original loan bank to understand the relevant policies and requirements for the transfer of the loan house and ask how to handle the transfer procedures of the loan house.
3. The documents and materials required for the transfer procedures include the certificate of immovable property rights, the transfer contract or agreement, the identity certificate, the house appraisal report, the original loan contract, etc.
4 transfer loans, including evaluating the value of the house and re-signing the loan contract.
5. Pay taxes and other expenses. The transfer of loan housing involves the transfer of real estate, and relevant taxes and transfer fees need to be paid. The specific charge depends on the regional policy and the value of the property.
6. Complete the transfer registration. After going through the transfer formalities and paying the relevant fees, go through the transfer registration formalities at the real estate registration center.
The transfer process of loan property is as follows:
1, negotiation intention:
Buyers and sellers need to reach an agreement on the terms and price of real estate transfer. If loan transfer is involved, it is necessary to negotiate with financial institutions.
2. Provide information:
The buyer needs to provide some information to the seller, such as purchase contract, ID card, household registration book, etc. , so that the seller can handle the transfer formalities.
3. Go through the transfer formalities:
Both parties need to go to the local real estate registration center, submit the necessary application materials, fill in the relevant forms, and go through the transfer procedures.
4. Procedures for loan transfer:
If loan transfer is involved, buyers need to contact financial institutions to apply for loan transfer. Usually need to provide some documents, such as purchase contract, loan contract, ID card, etc.
5. Transmission completed:
Upon examination by relevant departments, the property transfer was completed, the property ownership was officially transferred to the name of the purchaser, and the loan transfer was confirmed.
To sum up, it is an important link to ensure the security of property rights to complete the change of housing ownership and mortgage transfer reasonably and smoothly. Pay attention to reach a written agreement, submit an application and provide relevant materials, and pay taxes. At the same time, verify the ownership, debt and mortgage of the house to ensure legal safety. After the transfer is completed, update the loan information and property registration in time, and consult a professional lawyer or real estate agent. Follow the relevant steps and key points to ensure the smooth completion of the whole transfer process.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 543
If the parties reach an agreement through consultation, the contract may be changed.
Article 544
If the parties are not clear about the contents of the contract change, it is presumed that it has not been changed.