Current location - Loan Platform Complete Network - Loan consultation - Why should the house be renamed in full?
Why should the house be renamed in full?
Because once the house is changed to the buyer's name, the buyer still has the right to deal with the suite even without paying the final payment, so there is great risk for the seller, so the renamed house needs to pay the final payment in full to reduce the seller's risk.

However, it should be noted that not all first-hand houses need to pay the full amount when they are renamed. You can go to the developer for detailed consultation to determine whether the house can be loaned, and at the same time, you must determine the cost of renaming and other related issues.

Review first, determine the purchase area and housing area, and then make purchases within your own tolerance. Don't be impatient. At the same time, we should check the five certificates and two books issued by developers and sellers. In the process of signing the contract, we also need to be cautious. In addition to the sales contract, there are four attachments, which are usually attached to the sales contract and are easily overlooked, thus being used by illegal developers.

When handling the house property right certificate, we should follow four steps: verification, registration, payment and obtaining the certificate. In the process of buying a house, the taxes and fees that buyers need to pay include deed tax, printing expenses, and maintenance fund for public parts of the house. When the house is accepted, the quality of the house should be carefully checked to prevent disputes in the future.

What does it mean to change your name?

First-hand renaming means that the development company cancels the purchase contract with the original purchaser and signs a new purchase contract with the new purchaser. If the house is not registered in the construction Committee for pre-sale, it can be handled like this. If the pre-sale registration has been handled in the Construction Committee, it can no longer be handled by changing the bottom sheet. At present, many developers don't agree to change their names, so they can't sign online and need to buy in full.

Changing the name of the house is also called a boycott, that is, the developer has not collectively handled the real estate license. When the house here has not been registered and signed, the Housing Authority can ask the developer to give him a part of the benefit fee, and then directly change the name above to someone else's name, which can relatively save the cost of second-hand housing transfer.

What are the risks of buying a renamed house?

1. For this kind of housing, it is equivalent to going over the purchase contract again. It is necessary to re-record the contract online or in relevant departments and re-examine the information of the buyers. At the same time, it should be noted that if it is recognized as real estate speculation by the Housing Authority, it will be rejected, and some will even lead to the phenomenon that it can't be filed in the later stage, so that it is impossible to obtain relevant property certificates.

2. Different cities have different policies on renaming. Generally speaking, it is necessary to obtain the consent of the organizer before submitting the relevant documents and materials of more celebrities. At this time, the owner will submit the name change online, and the relevant departments will decide whether to approve the name change request after review. Although the whole process seems simple, the materials to be prepared are very complicated and must be taken seriously.

I believe everyone knows that buying a house is a very complicated job and will go through many complicated procedures. In many cases, the renaming and filing matters have finally been completed. However, when handling property rights, you may face the risk of paying taxes. This risk is mainly aimed at the seller or the renamed party. Although its risk is not high, it will still make people feel annoyed.