What does "transfer with mortgage" mean?

Mortgage transfer refers to the direct transfer, re-mortgage and issuance of new constant-width housing loans without repaying the loan or advancing the funds in advance. In the past, the traditional model was that in order to transfer the mortgaged property, it was necessary to raise enough funds to pay off the remaining loan principal, such as paying with the buyer's down payment, and borrowing money everywhere if it was not enough. After getting back the real estate license, the original mortgage registration will be cancelled, and then the transaction will be transferred to a new buyer. This method is more restrictive, risky and complicated to use, so few banks will agree. But now it is understood that the transfer of second-hand housing with mortgage has been launched in Jinan, Qingdao and other cities, and has been successfully piloted in many banks such as Industrial and Commercial Bank of China, China Construction Bank and Bank of Beijing. It is a new model, which is introduced to improve the convenience of second-hand housing transactions. ? # Internet hot words? # Internet buzzwords? # Internet buzzwords? # Mortgage? # Bank loan? # ICBC? # Transfer with mortgage? # House transfer? # Second-hand house? # Jingjing Jingjing Jingjing? # Network buzzwords classroom

Second, what is the meaning of lending?

I. Refinancing loans

Transfer loan is also a kind of mortgage loan. Buyers who apply to the bank have a longer service life and a higher proportion than ordinary mortgage loans, up to 20 years, and can borrow 70% of the appraised house price.

Second, second-hand housing sales can be transferred first and then loaned?

Re-lending and re-transfer, the bank will not approve the loan until it sees the remarks of the down payment. The following is the normal process:

1. Submit materials and apply.

The buyer and the seller jointly fill in the application form for personal loan of second-hand house, and then submit all the materials to the staff for review.

Step evaluation, give the approximate loan amount, and the bank will contact the designated real estate appraisal agency to inspect the house for evaluation.

Step 2 evaluate

Estimate according to the agreed time. After completion, the time-consuming of this stage of the appraisal institution will depend on the agreed situation, and it can be completed in 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee.

3. Silver

The bank examines the qualifications of the loan applicant, and after meeting the requirements, the bank evaluates and approves the price and term of the house. The approval process usually takes about 5 working days, but the approval speed of Zhongguancun Sub-branch and Loan Approval Office of Minsheng Bank is faster, and the approval time of each business can be completed in 1-2 days.

4. Pay the down payment and handle the transfer.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and the bank staff took the down payment certificate and the mortgage application issued by the bank to the real estate exchange for review and transfer. Buyers can get the real estate license after waiting for about 20 working days.

5, do house formalities, bank loans.

After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

Third, the landlord is required to entrust an intermediary to transfer the second-hand house. Is there any risk? Intermediary theory first ...

1. You can't entrust an intermediary to transfer ownership unless it is given to the intermediary fairly (but after it is given to the intermediary fairly, the house will not belong to the landlord), which is very risky. 2. It is impossible to transfer the loan first, and the bank will not agree (it must be transferred before the loan can be made). If the landlord is in urgent need of money, he can ask the guarantee company to come forward first and then make a loan after completing the account.

4. What do you mean by loan transfer?

In other words, with loans, many banks can transfer their ownership without redeeming the real estate license first, then transfer their ownership when trading directly, and then go to the same bank to make a mortgage loan. For example, if you borrow 500,000 yuan from China Construction Bank, you can transfer the ownership first, and then you can write down the amount you want to borrow more.