1. Liquidation of loan balance: If the house has a loan, it is necessary to liquidate the loan balance before the transfer to ensure the effective transfer of the ownership of the house. Usually, the buyer needs a one-time payment or a loan for liquidation.
2. Mortgage registration: If the house has a loan, it may have been registered as a mortgage. It is necessary to cancel the mortgage registration before the transfer to ensure that the buyer can obtain the mortgage-free certificate of the house.
3. Transfer of loan agreement: If the buyer needs to continue to use the original loan, it needs to negotiate with the original loan bank to transfer and change the loan agreement.
The information required for real estate transfer is as follows:
1. Property right certificate: provide the original or copy of the property right certificate;
2. Identification: provide valid identification documents of both parties, such as ID cards and passports;
3. Proof of marital status: if the parties are married, they should provide marriage certificates or divorce certificates and other relevant proof of marital status;
4. Divorce agreement: if a divorced party needs to transfer property, it shall provide a divorce agreement;
5. Purchase contract: if the house is transferred under the purchase contract, the original or copy of the purchase contract shall be provided;
6. Housing transaction tax certificate: deed tax receipts, stamp duty bills and other housing transaction tax certificates are required;
7. Inquiry record of immovable property certificate: provide inquiry record of immovable property certificate to prove the ownership of the house.
To sum up, the sale and transfer of houses is a complex legal act, which needs to comply with relevant legal provisions and procedures. It is suggested that the buyer and the seller should make full consultations and preparations before the transfer to ensure that all procedures are complete, legal and effective.
Legal basis:
Thirty-seventh "People's Republic of China (PRC) City Real Estate Management Law"
The transfer of real estate refers to the behavior of the real estate owner to transfer his real estate to others through sale, gift or other legal means.
Article 38
The following real estate shall not be transferred:
(a) the acquisition of land use rights by means of transfer does not meet the conditions stipulated in Article 39 of this Law;
(two) the judicial organs and administrative organs have ruled or decided to seal up or restrict the real estate rights in other forms according to law;
(three) to recover the land use right according to law;
(four) without the written consent of other people, * * * owns real estate;
(five) the ownership is controversial;
(6) Failing to register according to law and obtaining the ownership certificate;
(seven) other circumstances in which the transfer is prohibited by laws and administrative regulations.