My house is a little small now, and I want to change it to a bigger one. The real estate license has not come down, the mortgage has just come down, and the deed tax has not been paid. Can I exchange it? Hello, this is the case in our company now. It's not that the customer wants to change rooms, but that there is something wrong with the online sign and the location is inconsistent. It's only after the mortgage is settled that we see it. Now I have to go through this whole procedure and change my location, which is equivalent to changing a suite.

The mortgage has come down, which proves that it has been filed, predicted and mortgaged. In this case, if you want to change rooms, if the developer is willing to handle it for you, the process should be like this:

It is basically impossible to repay the bank loan first (or the developer takes another house to the bank to guarantee your mortgage). Then go to the housing exchange with the cancellation procedures to cancel the notice and record, and then cancel the online signing, so you can re-sign another suite online. To go through all these procedures, you need to go with the developer's handlers.

1. Pay back the money from the bank and go to the bank once.

2. The Housing Exchange will release the mortgage for the second time.

3. The Housing Exchange will cancel the filing for the second time.

4. The Housing Fair will cancel the online signing at one time.

After handling, there are still many things and materials to be prepared, but if the developer agrees to handle it, he will tell you how to do it. You just have to follow.

There will also be some fees paid to the developer (contract stamp duty is five ten thousandths, ownership registration is 80, and land transfer fee is 3/ party), and you also lose money (advance registration, mortgage registration 160, and mortgage stamp duty is 0.5 ten thousandths). )

Actually, it's not necessary Not to mention paying off the bank mortgage before handling these things, even handling these things is very troublesome, and it will take a long time, and the employees of the developer may not fully cooperate with you. If there is any problem, it will be very troublesome to deal with it. .