What is the process of loan transfer?
1. The seller can go through the formalities of property right transfer after paying off the bank loan and canceling the mortgage. The two sides first reached an agreement on the change of property rights, and then notarized it at the notary office. After the seller pays off the bank loan, the buyer can take out the real estate license from the bank and cancel the mortgage registration procedures. The buyer and the seller are handling the registration of property right change and completing the transfer according to the notarization agreement.
2. The buyer and the seller negotiate and issue a written agreement on the change of house property rights to the bank. This method requires the consent of the bank.
If the bank can agree to the change of property rights and the borrower is changed from the seller to the buyer, the bank will issue a certificate and handle the change registration under the condition that the house has been mortgaged.
If the bank does not agree to the change, the buyer and the seller need to transfer the ownership according to method 1 Redeem the building from the bank first, that is, pay off the money owed to the bank first If the owner is short of funds, you can ask the guarantee company to redeem the building for you and then transfer the ownership.
3. Redeem the building. The seller looks for a guarantee company to guarantee, then pays off the balance, takes out the real estate license, then goes through the transfer registration, and then the seller repays the guarantee company.
4. Our country's laws do not support signing an agreement to transfer ownership. If buyers and sellers think this way is not good, they can find a reliable intermediary company to deal with it. Buyers and sellers need to pay a certain fee to let the intermediary advance the loan. The seller gets the real estate license, transfers the property to the other party's name, and the buyer mortgages the funds of the intermediary company.
What are the precautions for selling a house and transferring it?
1. Verify the house: understand the natural conditions of the house (such as location, area, apartment type, pattern, structure, orientation, lighting, lifting, width and depth, etc.). ), pay attention to details (such as decoration, reserved items, property situation, living facilities, business environment, etc.). ), and observe whether the defects of the house are within the acceptable range; Know whether the house you want to buy is mortgaged, rented or invested.
2. Agreed transaction process: specify the contract payment method and payment time (it is recommended to take the occurrence of an event as the time node), and pay the house payment as much as possible after the property right is transferred, or the house payment can be paid in escrow to minimize the risk; If the house is mortgaged, it must be clear which party cancels the mortgage.
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: Be sure to check the payment and settlement of public maintenance funds, property fees and other expenses, and implement relevant procedures such as transfer to determine whether it will affect future life.
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, and check it by checking the property right certificate and the property owner's ID card to avoid disputes. Cars with military officers' cards are mainly cautious and must verify their identity. For houses jointly owned by husband and wife or with only one property owner, all property owners should be present to sign the sales contract.