Generally 7- 10 working days. First of all, to buy and sell a house, you need to transfer the property to the other party's name before the other party can apply for a loan. Secondly, bank loans need to be approved before they can be released. With a bank loan, you can get the money as a seller. It will take about 7- 10 working days to receive the money. The specific time still depends on the bank's lending speed in the current quarter. You can get it in a month or two if you are fast, and about three months if you are slow. The down payment can be obtained through unilateral negotiation, and the latter can be obtained on the day of bank loan lending. You can also submit the information to the bank on the day of down payment, with the fastest speed of one month.

Generally, if the other party borrows money in the sale of second-hand houses, it is to pay part of the down payment first, and then apply for a mortgage by buying a house. The loan bank can reserve the seller's bank card, and after the house loan comes down, the final payment will naturally go to the seller's card.

Matters needing attention when selling houses and transferring ownership.

1. Verify the house: Understand the natural conditions of the house (such as location, area, apartment type, pattern, structure, orientation, lighting, lifting, width, depth, etc.). ), and pay attention to details (such as decoration, reserved items, property conditions, living facilities, business environment, etc. ).

2. Agreed transaction process: specify the contract payment method and payment time (it is recommended to take the event as the time node), and pay the house payment as much as possible after the property right is transferred.

3. Agreed liability for breach of contract: clarifying the liability for breach of contract with the seller is the guarantee for both parties to perform the contract in good faith. If you buy a house in an intermediary, it is recommended that the seller entrust an intermediary to collect a deposit to avoid lack of initiative in case of disputes.

4. Other matters: We must understand and verify the payment and settlement of public maintenance funds, property fees and other expenses.

5. Determine whether the property right is clear: whether the seller's procedures are complete, and the real estate license is the only proof that the owner has complete rights to the house. The seller must be the owner of the house. Cars with military officers' cards should be especially careful, and their identities must be verified. For houses jointly owned or not owned by husband and wife, all property owners should be present to sign the sales contract.