Yes, it must be coordinated. This article is reflected in the real estate sales contract. To put it bluntly is a proof. The bank needs to look at the seller's real estate license and other information, and the repayment bank will sign and take photos in person.
I can get a loan without transferring ownership. Let me briefly tell you about the real estate transaction process. Talk about the price and trading cycle, sign a deposit agreement, agree on the time of online signing, and pay the down payment at the same time. After the loan contract is approved, we will go to the trading center for transfer. The new title certificate is issued, the bank pays the seller, the subsequent property is delivered, and the final payment is settled.
The second-hand housing purchase process has eight steps:
The buyer consults, signs the contract, goes through the transfer formalities, obtains the bank loan and pays off the balance.
1. The buyer consults the buyer and the seller to establish information communication channels. The buyer needs documents, including ownership certificate and identity certificate, to know the overall situation and property rights of the house. Of all the originals, one once had a second landlord who rented the house to the owner.
2. Signing a contract, the seller provides the legal documents of the house and pays the house purchase deposit, which does not belong to the house sales contract signed by the buyer and seller of commercial housing. After the buyer and the seller reach an agreement on the location of the house, property rights, transaction price, delivery time, delivery of the house, property rights disposal, etc., it is safer for both parties to find a third-party intermediary to witness the signing.
3. Apply for a revolving door and be examined. The buyer and the seller shall check the relevant documents with the real estate management department, review the property right house and handle the transfer formalities. If there is no property right or part of the property right without the written consent of other property owners, the application shall be refused and the listing and trading shall be prohibited. If the property right belongs to both husband and wife, then both husband and wife need to be present to sign.
4. According to the property right status and purchase object of the transaction house, the relevant departments of the contracted house shall report to the transaction department for approval step by step according to the examination and approval authority set by the transaction department in advance, and both parties to the transaction can go through the signing formalities. Now Beijing has cancelled the "white deed" in the transaction process.
5. The composition of paying taxes and fees is more complicated, and it depends on the quality. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different. This arrived at the registration hall, and the staff gave clear instructions.
6. After the transaction management department that handles the property right transfer completes the property right change to the issuing department, the buyer applies for a new property right certificate to the issuing department with the Notice of Property Ownership Certificate.
7. Bank loan: After signing the house sales contract with the seller, the loan buyer will go through the loan formalities at the loan bank. The bank will review and evaluate the house, determine the buyer's loan amount, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.
8. Make a settlement to complete the transaction. After the buyer obtains the house ownership certificate and pays off all the house payment, the seller delivers the house and settles all the property fees, and all the second-hand house sales contracts of both parties are fulfilled.
Second, what are the risks for the seller to transfer the second-hand housing provident fund loan before lending?
Is the second-hand house transferred or loaned first?
First, is the second-hand house transferred or loaned first?
In the process of buying and selling second-hand houses, it is generally necessary to apply for loans first, and then go through the transfer procedures. If it is a one-time payment, you need to pay attention to the safety of funds, and try to put the payment of the house payment after the transfer of property rights, or you can apply for escrow payment to minimize the risk. Buyers and sellers must go through the formalities of property right transfer at the real estate trading place designated by the government, pay all kinds of transaction fees according to state regulations, and obtain the property right certificate issued by the government. Buyers and sellers can pay with one hand and hand over the house with the other.
Second, the specific process of second-hand housing sales
1. The buyer and seller of second-hand houses sign a house sales contract, which stipulates that the buyer will pay the house price, down payment and loan ratio by means of second-hand house loan.
2. The buyers and sellers of second-hand houses print the real estate sales agreement in the real estate trading market of the districts and counties where the houses are located, and at the same time, the buyers and sellers sign the Agreement on Collection and Remittance of Private Property Houses in the local Housing Authority, clarifying the entrustment relationship of collection and remittance of transaction funds;
3. Due to the particularity of second-hand houses, buyers need to find an evaluation company to evaluate the purchased property first. Banks will take the lower of the transaction price and the evaluation price as the basis for lending;
4. In order to ensure the security of the second-hand housing loan, the general bank will ask the buyer to provide guarantee. The guarantor can be a financially capable individual or a professional guarantee company;
5. The second-hand house buyer deposits the down payment in the loan bank with the Agreement on Collection and Remittance of Private Property Houses, and obtains the deposit certificate of the down payment. At the same time, he can apply for a second-hand house loan from the bank and submit all loan application materials;
6. After the approval of the bank, the buyer signs a loan contract with the bank, and the bank informs the seller that it can lend money;
7. Finally, when handling the transfer of second-hand houses, the buyers and sellers should go through the transfer formalities with the real estate bureau with the original and photocopy of the real estate license, the sales contract and photocopy, and the ID cards of the buyers and sellers, and the old land certificate should go through the replacement formalities with the Land Bureau.
Third, buyers who sell second-hand houses don't go to the bank for loans until after the transfer. Is there any risk to the seller?
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Fourth, buyers who sell second-hand houses only go to the bank to apply for loans after the transfer. Is there any risk to the seller?
Of course there are risks. The house has been transferred, but what if the bank refuses to lend to the buyer or the loan is delayed?
In the first case, the bank refuses the loan, which means that you can't receive the house payment. This is embarrassing. You have to transfer the ownership of the house back. On the one hand, it needs the cooperation of buyers, which is very troublesome; On the other hand, the transfer fee is not a decimal, and how to share the cost will be entangled with the buyer.
In the second case, the property right has been transferred, but the bank loan has been delayed. For the buyer, he has done everything he can, and the problems of the bank are beyond his control. Because the transfer procedure has been completed, the buyer is not in a hurry, so he will not rush the bank. But as a seller, the house has been transferred, but the money can't be taken out. You want to rush the bank, but you are not a borrower. Theoretically, you have nothing to do with the bank, and it is unreasonable to urge loans.
Therefore, it is risky to go to the bank for a loan after the transfer.
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