Many people will choose to buy a second-hand house, but the mortgage process of second-hand house transfer is more complicated than that of new house. Let's see how to move the process before the transfer.

What are the procedures for second-hand housing mortgage transactions?

1. The buyer and the seller sign a house sales contract, and clearly indicate the loan proportion paid by the buyer in the contract. The buyer and the seller print the Real Estate Purchase and Sale Agreement at the local real estate trading center, and sign the Private Property House Collection and Payment Contract on the spot to clarify the entrustment relationship of transaction funds collection and payment.

2. Because of the particularity of second-hand houses, we should first find an appraisal company to evaluate the purchased property, and the bank will take the lower of the transaction price and the appraisal price as the basis for lending. In order to ensure the safety of the loan, the bank will ask the buyer to find someone to provide guarantee. If you buy a house, you can find an individual with financial ability or a related guarantee company.

3. The buyer deposits the down payment in the loan bank with the Agreement on Collection and Payment of Private Houses, and then applies to the bank for a second-hand house loan, and submits relevant loan application materials. After the approval of the bank, the bank will inform the seller that the loan can be made.

4. The buyer and the seller shall go through the transfer formalities with the real estate license, the sales contract and the ID cards of both parties (original and photocopy), and the original house land certificate shall go through the replacement formalities with the Land Bureau. The buyer goes to the real estate bureau to handle the mortgage formalities of the property with the real estate license, land certificate, transfer receipt, certified sales contract, deed tax invoice and other materials.

5. After the bank receives the mortgage certificate, it starts to lend money. After the loan is issued, buyers can get a new real estate license.

6. The buyer shall repay the loan on time according to the signed repayment method, and the mortgage registration cancellation formalities can only be handled after all the loans are paid off.

Conclusion: the mortgage process of second-hand housing transfer is introduced here for everyone. Before deciding to sign a contract, it is best for buyers to know about the cooperative bank designated by the developer to see if they meet the conditions for handling loans, so as to avoid the dilemma caused by the inability to obtain loans after signing a contract blindly.

Procedures and procedures for the sale of second-hand houses

1, field inspection

On-the-spot house inspection, on-the-spot inspection and price negotiation determine the intention to buy a house, and at the same time require the seller to provide corresponding legal documents, such as house ownership certificate, ID card, household registration book and other documents.

2. Sign a contract for the sale of second-hand houses.

After the price is agreed, the transaction intention is confirmed, and the seller provides the corresponding legal documents of the house, the buyer can pay the house purchase deposit. It is worth mentioning that paying the house purchase deposit is not a necessary procedure for the sale of commercial housing. After consultation and communication, both parties signed at least three house sales contracts.

3. Both parties go to the loan bank to handle the loan formalities together.

If the buyer needs a loan to buy a house, after the buyer and the seller reach an intention, the loan bank will appoint an appraisal company to evaluate the house to be traded by both parties and confirm the loan amount. After the two parties sign the house sales contract, the buyer and the seller need to go to the loan bank to handle the loan formalities together. After the bank approves the loan applicant's credit, it will notify both parties to complete the property right change. After the buyer receives the real estate license, he must go through other documents accompanied by the bank. After other documents are issued, the bank will issue a one-time loan to the owner.

4. Both parties shall go through the transfer formalities at the Property Rights Exchange Center.

After the contract is signed, the buyer and the seller jointly apply to the real estate trading center for review. For houses that meet the listing requirements, the relevant departments will allow the transfer procedures. If there is no property right or part of the property right without the written consent of other property owners, it will be refused and listed transactions will be prohibited.

5. Pay relevant taxes and fees

The tax composition of second-hand houses is relatively complex, depending on the nature of the houses traded. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.

6. Both parties shall jointly go to the property rights trading center to handle the property rights formalities.

After the buyer and the seller complete the registration of property right change, they will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate.

7. Pay off the balance and complete the transaction

The transaction is completed after the buyer pays the house price and the seller delivers the house and settles all expenses (including water, gas, electricity, heating, property management and cable TV). ) Before the delivery date.

What are the procedures for the transfer of second-hand housing loans?

1. Submit materials and apply. The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit the materials to the staff for review after filling in. The staff made a preliminary evaluation of the materials and gave the approximate loan amount and years. Then the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.

2. evaluation. According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The specific time will depend on the agreed situation, and it can be completed within 3 to 5 working days. The counterparty is required to pay the evaluation fee.

3. Bank approval. Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days.

4. Pay the down payment and handle the transfer. After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

5. The buyer handles mortgage registration, insurance and other formalities, and obtains a bank loan. After receiving the real estate license, apply for mortgage registration and insurance. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

Extended data:

The transfer of second-hand houses is prone to problems such as property rights, leasing and breach of contract. And buyers need to be cautious when handling the transfer. In addition, if the parties entrust others to handle the transfer, they also need to prepare some necessary information. Matters needing attention are:

1. When purchasing a private house, the unit is required to provide the original legal person qualification certificate (with official seal), the legal representative receives the power of attorney, and the trustee should also provide the original and photocopy of the ID card;

2. If you want to handle the entrusted transfer. The client needs to issue a power of attorney or notarial certificate, and the client can only handle the transfer with the power of attorney or notarial certificate and the original and copy of personal ID card;

3. If the house has been leased, the buyer must ask the seller to provide proof that the lessee has given up the preemptive right when handling the transfer;

4. If there are co-owners of the house, the buyer shall require the seller to issue a certificate of co-owners agreeing to sell and a certificate of co-ownership, or the co-owners shall be present to sign the contract and handle the transfer;

5. If the house is purchased after the judgment, the buyer shall prepare the judgment and the notice of assistance in execution before handling the transfer.

What is the specific process of second-hand housing transactions?

What is the transaction process of second-hand houses?

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. Buyers need to find an evaluation company to evaluate the purchased property first;

4. In order to ensure the security of second-hand housing loans, general banks will require buyers to provide guarantees;

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, handle the transfer. The buyer and the seller bring the original and photocopy of the real estate license, the sales contract and photocopy, and the ID cards of the buyer and the seller to the real estate bureau for transfer, and the old land certificate to the Land Bureau for replacement.

How to pay deed tax for second-hand housing transactions

Deed tax: (the basic tax rate is 3%, and the preferential tax rates are 1.5% and 1% to be paid by the buyer).

Collection method: 3% of the total transaction amount shall be collected at the standard tax rate, and the buyer shall pay 1% of the total transaction amount for the first purchase of ordinary houses with an area less than 90 square meters, and 1.5% of the total transaction amount for the first purchase of ordinary houses with an area greater than 90 square meters.

Only when you buy for the first time and own an ordinary house can you enjoy the discount. Deed tax concessions are calculated on an individual basis, and you can enjoy concessions as long as you pay the deed tax for the first time. If the property purchased by the Buyer is non-ordinary residence or non-residence, 3% of the total transaction amount shall be paid.

What is the process of buying and selling mortgaged second-hand houses?

Many friends who are eager to move in or don't have enough money will choose to buy second-hand houses, and they will choose to apply for mortgage loans to alleviate their financial pressure. What is the process of buying and selling second-hand houses with mortgages? Let's get to know each other with Bian Xiao.

What is the process of buying and selling mortgaged second-hand houses?

1. The buyers and sellers of second-hand houses jointly sign a house sales contract. The contract should clearly stipulate the matters related to the buyer's payment of the house price through the second-hand house loan, and clearly stipulate the proportion of the down payment and the loan.

2. The Buyer and the Seller print the Property Purchase and Sale Agreement in the real estate trading market where the house is located, and at the same time, the Buyer and the Seller 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 houses they are going to buy, and the loan bank will take the lower of the transaction price and the evaluation price as the basis for lending.

4. In order to ensure the safety of loan funds, the loan bank will ask the buyers to provide a guarantor, which can be an individual with financial ability or a professional guarantee company.

5. The buyer holds the Agreement on Collection and Remittance of Private Property Houses and deposits the down payment in the loan bank, and obtains the down payment certificate. At the same time, you can apply for a second-hand housing loan from the loan bank and submit the required loan application materials.

6. After the loan bank has approved the relevant materials provided by the applicant, the buyer can sign a loan contract with the loan bank, and then the loan bank will inform the seller that the loan can be made.

7. The buyer and the seller shall go through the formalities of house transfer with the original and photocopy of their respective ID cards, real estate licenses, sales contracts and photocopies, and at the same time go through the formalities of renewal with the old land certificate.

8. The buyer takes the original property ownership certificate, land certificate, transfer receipt, certified sales contract, deed tax invoice and other materials to the real estate bureau to handle the mortgage formalities of second-hand houses.

9. After receiving the mortgage certificate, the lending bank will issue the loan. After the loan is issued, buyers can go to the housing management department to get a new real estate license.

10. The buyer shall repay the loan on time according to the repayment method agreed in the loan contract. After paying off all the principal and interest of the loan, the buyer can go through the mortgage registration cancellation procedures at the Housing Authority, and then the house completely belongs to the buyer.

The above is a detailed introduction to the process of buying and selling mortgaged second-hand houses, hoping to help everyone. Second-hand housing mortgage loans have strict procedures. In order to reduce the time for mortgage loans, it is best to know the process of mortgage second-hand housing loans in advance.