There is a saying that "money is not everything, but you can't do anything without money." This sentence is very pertinent, but there is no denying that it makes sense. Buying a house now is a matter of money. If you have money, you can pay in full. If you don't have enough money, you can only apply for a loan. So as a property buyer, you must want to know whether a house with a mortgage can be transferred?

1. Can a house with a mortgage be transferred?

It is too common to buy a house by loan now, and the repayment period is so long. If the house needs to be transferred during the period, according to the regulations, the remaining loans must be invited to handle it. If you buy a house for less than five years, you need to pay 5.55% business tax and 1% personal income tax. If the house is more than five years old, direct transfer is very cost-effective. If it is a gift between immediate family members, there is no need to pay 20% tax when it is sold in the future, and the personal income tax is 1%. To sum up, it is more appropriate to handle the gift transfer.

Second, how to handle the business of buying a house and lending?

1. After the down payment and materials are completed, the sales control post will handle the house evaluation for the customer;

2. After the evaluation, the core sales control post of each transaction, together with the buyer and the buyer's spouse, will go to the bank to go through the formalities of face-to-face loan, and the results of face-to-face audit will be known after three working days;

3. After the face-to-face signing is passed, the title certificate post will make an appointment for the buyer and the seller (spouses) to go through the transfer procedures of the title certificate and land certificate at the real estate bureau;

4. After completing the transfer of the property right certificate, the receipt of the property right certificate must be kept by the certificate holder;

5. According to the transfer time stipulated by the local real estate bureaus, the title certificate post and the buyer go to the real estate bureaus to receive the real estate certificate, and the title certificate must be kept by the title certificate personnel;

6. When obtaining the real estate license, the title certificate post can complete the transfer of the land certificate with the buyer and receive the receipt of the land certificate, and the title certificate must be kept by the title certificate personnel;

7. According to the transfer time stipulated by the local land avoidance, the title certificate post will cooperate with the buyer to obtain the state-owned land use right certificate from the Land Bureau, and the land certificate must be kept by the title certificate personnel;

8. After the mortgage information is complete and the mortgage evaluation report is issued, the warrant post will cooperate with the purchaser and spouse to go through the mortgage registration formalities at the real estate bureau;

9. According to the time stipulated by local governments, after the mortgage is delivered, the other certificate will be returned to the bank, and after the two certificates are returned to the store, the chain store will deliver the two certificates to the buyer's customers.

Conclusion: In addition to the above, I answered "Can a house with a mortgage be transferred?" I also answered "how to transfer a house with a commercial loan?" I hope the above content can help friends in need, so today's sharing is here. Thank you for reading!