When a buyer buys a house in full, the selling process is generally divided into six steps: 1. Sign a contract: sign a contract for the sale of stock houses, sign a deposit agreement and collect the deposit. Please bring your household registration book and the property owner's ID card when signing the contract. When signing the contract, the property owner must be present. If you can't be present, you must show proof that your spouse agrees to sell.
2. Audit: The buyer must conduct qualification audit to confirm that he is qualified to buy a house in Beijing, and then the seller conducts property audit. Ensure that the property rights are clear, the property can be traded normally without mortgage, and both cases can be completed within 10 working day.
3. Online signing: Online signing is a mandatory requirement for property management companies to avoid risks such as "one room and two sales". After the "online signing", the same house can no longer generate a sales contract and can no longer be sold to others. This avoids the confusion of private contracts and makes real estate transactions more transparent. After qualification examination and house verification, online signing can be carried out on the same day, and buyers and sellers can negotiate with the Housing Construction Committee or entrust a local formal intermediary agency to handle it on their behalf.
4. Funds: The seller opens an account in the bank, and the buyer deposits the funds into the seller's account, which is frozen by the bank. After the transaction is completed, the money will be thawed and paid to the seller. "Capital" is like buying a house with Alipay. If you don't accept it, you won't pay it. Similarly, if you don't transfer money, you won't pay. In the past, many second-hand housing transactions were "paid", and the seller put the money into a fixed account to avoid not getting the money after the house was transferred, and to avoid the risk that the buyer could not pay the payment!
5. Tax payment and transfer: tax payment refers to the process in which buyers and sellers pay taxes involved in real estate transactions in the tax department, that is, the ownership of real estate is transferred from place A to place B. After the transfer is completed, the property right of the house is transferred to the buyer's name and the transaction is completed. Generally, tax payment and transfer can be made on the same day (it is difficult to get the number in some urban areas, so there will be a delay). When paying taxes, both buyers and sellers have to pay all taxes at the local taxation bureau, and then take them.
6. Obtain the property right certificate: the owner's ID card of the new house is collected in person. After handling the transfer formalities, you will generally apply for a new house property certificate on the same day. When buying a house, I got a new real estate license and went through all the buying and selling procedures.
The above is about when I can get the full amount of the mortgage. I'm sure you already know. I hope this article is helpful to you.