What are the restrictions on the transfer of mortgage houses in Beijing?
1. Beijing is one of the "eight ancient capitals" in China, with seven heritages. It is a city with a large number of world cultural heritage projects. It is a famous historical and cultural city with a history of more than 3000 years and 860 years. It has many historical sites and scenery. Beijing is the seat of People's Republic of China (PRC) and the National People's Congress. Beijing is located in the north of North China Plain, backed by Yanshan Mountains, and the Yongding River flows through the southwest of the old city, adjacent to Tianjin and Hebei Province.
2. Beijing is the capital, municipality directly under the Central Government and national city of People's Republic of China (PRC), and it is the decision-making and management institution of China's politics, culture and China's economy. Beijing has jurisdiction over Dongcheng District, Xicheng District, Chaoyang District, Haidian District, Fengtai District, Shijingshan District, Mentougou District, Fangshan District, Daxing District, Tongzhou District, Shunyi District, Changping District, Pinggu District, Huairou District, Miyun District and Yanqing District.
3. If the borrower of the mortgaged house adopts the third party guarantee, pledge or other house mortgage, the house purchased by the loan should also obtain the written consent of the loan bank before the transfer, and negotiate with the bank and the purchaser to return the purchase price to the settlement method of the bank loan, so as to avoid being punished by the bank for transferring the house purchased by the loan without the consent of the bank, or even collecting liquidated damages for failing to repay the bank loan in time with the proceeds from the house transfer.
4. If the buyer and the seller trade through the second-hand housing intermediary, and the intermediary signs the second-hand housing cooperation agreement with the loan bank, the intermediary can usually provide loan guarantee when the house is transferred, and can handle the fund settlement of the second-hand housing transfer through the intermediary. This is also conducive to the housing assignee to apply for second-hand housing mortgage loans.
In which department is the transfer of Beijing mortgage house handled?
According to the relevant provisions of China's property law and other laws, houses can only be transferred without legal disputes, unplanned demolition and mortgage. So generally speaking, to transfer a mortgaged house, you must pay off the bank loan first. And the transfer is handled by the local housing authority.
In any case, before the house is transferred, all kinds of contract change procedures should be handled in time. After the house is transferred, the loan prepayment and house transfer procedures, as well as the termination procedures of the loan contract and related guarantee contracts should be handled in time. The above article is about the restrictions on the transfer of Beijing mortgage houses and the contents of which department Beijing mortgage houses are transferred to, hoping to help those in need.