1. What interviews are there during the transfer of second-hand houses? Face-to-face signing refers to the procedure that the borrower (together with the repayment person or guarantor) pays the loan fee at the loan bank with legal and valid documents, seals and the original loan fee, and interviews and signs it. For the second-hand housing transactions that need loans, when the buyers and sellers fully sign the contract, another very important thing is to go to the bank to apply for loans. The specific handling methods are as follows: the buyer and the seller need to bring the relevant certificates required by the bank, sign the loan contract issued by the bank at the bank outlet, and approve the loan after 7- 10 working days. In the process of waiting for the loan approval, the company has to pay the maintenance fund, publicize the housing and sign the contract online. Note: The order of the three is first submitted to the public, then listed, and then signed online. If the buyer and the seller make a transaction by themselves, they can go to the real estate trading center for handling; If the buyer and seller make a transaction through an intermediary, they can handle it through the corresponding intermediary, but it is necessary to negotiate in advance whether additional fees are needed. Buyers who first approve loans apply for second-hand housing loans from banks. After the bank reviews the materials of both parties and meets the loan conditions, the bank issues a loan approval letter and agrees to the loan, and then the bank issues a mortgage contract before the transfer. After the transfer tax bank approves the loan, it can go through the transfer formalities, and generally it can pay taxes on the same day. Buyers and sellers and bank staff need to be present and bring relevant information. For businesses that register receipts first, the real estate trading center will take back the original real estate license and issue a receipt, and then carry the receipt and relevant documents for tax reduction and exemption. Getting a certificate is very important for property buyers to get a real estate license. Generally, after the second-level approval, you can take the receipt and ID card to the real estate trading center to get the real estate license and other warrants. After handing over the house and obtaining the real estate license, you can handle the real estate delivery, that is, handing over the house. Note that when handing over the property, the seller has to pay the fees of water, electricity, coal, broadband, telephone, heating and property, and then both parties go through the formalities of renaming. The most important thing is to bring the real estate license and ID card to the police station where the house is located to verify whether the seller's account has moved out. If you haven't moved out, you should reserve a deposit for moving out of the account. The last step of the loan is to lend money. After obtaining other warrants, the bank will lend money to the seller within 5- 10 working days, and consult the lending bank for specific time. At this point, the whole process of buying a house by loan is really over. Compared with the loan to buy a house, it is much simpler to buy a house in full. There are only four processes: formal salary, listing, online signing, transfer of taxes, obtaining a certificate, and handing over a house. Only the buyer and the seller need to be present. (Note: The above seven steps may be in different order according to urban policies) 2. When will the second-hand house be transferred to 1? After the buyer pays the down payment, the buyer and the seller of the second-hand house sign a house purchase contract and agree to go to the Housing Authority for transfer registration at the appointed time. Generally speaking, this time is about 3 days. 2. Then go to the Housing Authority for transfer registration, bring all relevant materials and estimate the house price. It can be handled in a short day, and it may take about 20 days for a long one. If handled properly, you can get the real estate license. 3. In addition, the waiting time for bank loans is generally 10 to 20 days. Second-hand housing property transfer is the shortest one week and the shortest is about 45 days. The law stipulates: Article 17 of the Measures for the Administration of Urban House Ownership Registration, if the ownership of the house is transferred due to the sale, exchange, gift, inheritance, allocation, transfer, division, merger or adjudication, the parties concerned shall apply for transfer registration within 30 days from the date of the fact. As can be seen from the above, the process of second-hand housing transfer is not simple and needs to be operated step by step. You can have a good look at the introduction of the above content.

Legal objectivity:

If both parties decide to handle the transfer formalities by themselves, then both parties must have enough energy and time. Miss Tan, who is familiar with the transaction procedures of second-hand houses, explained that because the follow-up procedures of real estate transfer and mortgage are complicated, involving banks, appraisal, agricultural tax, housing management, land management and other parties, if there is a problem with the property rights of the house, you have to go to the property rights trading center to check the property rights. Miss Tan introduced her transfer procedures to the reporter. The first step is for the buyer to investigate the property rights of the house. When examining the integrity, authenticity and reliability of property rights, we should pay attention to whether the owner's name on the property certificate is consistent with that of the seller, whether there is mortgage or not, and whether there is anyone. The second step is to sign a second-hand house sales contract. The third step is to find an evaluation company to make an evaluation. This process usually takes 3~5 working days. The fourth step, the loan house should handle the relevant mortgage business. If it is a combination of provident fund loans and commercial loans, you must apply to the provident fund center and the bank at the same time. This is the most time-consuming stage in the whole second-hand housing transaction process, which usually takes about 40 working days. Fifth, after handling the mortgage, we should pay attention to the cancellation of other property warrants. Step 6, hand over the contract to the relevant service window of the property rights trading center of the housing management department and receive the acceptance form. The seventh step is to pay the relevant taxes and fees to the agricultural tax center with the acceptance form and get the deed tax payment certificate. Step 8: Go to the land management department to apply for the land certificate with the tax payment contract certificate. Step 9, go to the housing management department to apply for the real estate license with the tax contract certificate. If the house is paid in full, the third and fourth procedures can be omitted. After these steps, the three certificates of real estate have been completed. The whole process will take about one month to two months. Intermediary transfer is more worry-free. For the current process of citizens buying second-hand houses through real estate agencies and transferring ownership, the introduction can be divided into the following steps: 1. It is suggested that property buyers should be clear about their own housing needs and choose a reputable real estate intermediary company as an agent to choose a house. 2. After choosing a house, sign a tripartite agreement with the real estate agent and the owner and pay a deposit. 3. The buyer and the owner meet with the intermediary company, and under the supervision of the intermediary company, the owner and the buyer sign a real estate sales contract; At this time, the relationship between the two parties was formally established, and the buyer paid the down payment to the owner and the agency fee on the agreed date, and the agency company began to handle the loan procedures for the buyer. After the loan is agreed to be issued, the transfer formalities will begin. 4. According to the requirements of property right transfer registration, buyers and sellers need to prepare the information needed for transfer. 5. The full-time transfer agent of the intermediary company carries the buyer, the owner and relevant information to the local taxation bureau for tax verification; If it can be listed and traded, the local taxation bureau will issue a list of deed tax and business tax, which will be paid by the buyer and the homeowner on the same day, and the local taxation bureau will issue a tax receipt. 6. The buyer and the owner shall go to the real estate trading center to handle the registration and tax payment procedures under the leadership of the transfer clerk. The buyer and the owner shall submit deed tax and business tax receipts and all documents required by both parties for transfer, fill in the Application Form for Registration of House Ownership Transfer, receive the acceptance notice, and pay the house stamp duty at the same time. During this period, the real estate trading center will conduct a preliminary examination and review of the documents and tax payment provided by the buyers and sellers to ensure that the transfer conditions are correct, otherwise the trading center will inform the intermediary company of relevant issues in time. 7. The intermediary leads the new owner and the old owner to hand over the property, that is, the cost of water, electricity and cable TV in the house is settled, and finally the furniture is inspected. 8.20 working days later, the transfer clerk will inform and lead the new owner to the real estate transaction center to receive the new property certificate, and inform the original owner to prepare to receive the house payment. At this point, the transfer procedures for purchasing second-hand houses have been completed. Documents that need to be submitted for examination and approval, such as real estate license or property right certificate, and real estate license or property right certificate must also be submitted for some houses; Real estate sales contract; House transaction approval certificate; Original and photocopy of the land use certificate (the right to use it is the applicant); Application for registration of real estate rights; A copy of the applicant's identity certificate (if the applicant is a company, a copy of the legal person business license, legal person code certificate, legal representative qualification certificate and ID card shall be submitted). If authorized, a legal and valid power of attorney and a copy of the identity certificate of the agent shall be submitted; Business tax return and land value-added tax return; People's Republic of China (PRC) deed tax payment certificate or deed tax certificate of Finance Bureau. Charging standard: 1. Registration fee for transfer of real estate rights: 80 yuan/case. 2. Certificate fee: 10 yuan/copy (paid by the owner).