Matters needing attention in loan purchase and transfer
Check the documents carefully, clarify the fees, consult professionals, verify the state of the house, and pay attention to the details of the delivery.
1. Check the file carefully. During the transaction, the buyer should confirm that the seller's documents are complete, and the sales contract will only take effect if someone signs the property certificate to prevent signature or omission.
2. Clear the cost. The expenses involved in the whole transaction process are not charged at one time. Therefore, it is necessary to specify the detailed expenses in advance as far as possible to avoid adding various miscellaneous fees in the middle.
3. Consulting professionals, it is recommended to hire professionals or formal real estate intermediaries as both parties to the transaction to deliver funds and houses, so as to ensure the smooth transfer of ownership after the payment, or to ensure that the house payment can be paid off after the transfer.
4. Verify the condition of the house. Property buyers should pay attention to verify the state of the house, see if the purchased house is still in a mortgage state, and ensure that there will be no problems during the transaction and occupancy.
5. Pay attention to the details of house delivery, check the registration of property rights and the transfer of water, electricity, cable TV and gas. Explain the delivery and the housing situation one by one to avoid payment disputes after delivery.
Can I transfer my house by loan?
Yes, but it must be handled in the form of business. According to the Regulations on the Administration of Urban Real Estate Transfer, the following procedures shall be followed:
1. Sign a written transfer contract; Within 30 days after the signing of the contract, apply to the housing management department where the real estate is located and declare the transaction price with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents;
2. The housing management department shall review the relevant documents provided and make a written reply on whether to accept the application within 15 days;
3. The housing management department shall review the declared transaction price, and conduct on-the-spot investigation and evaluation of the transferred real estate as required; The parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the regulations;
4. The real estate management department issues the transfer order; The parties shall go through the formalities of property right transfer with the transfer form and obtain the certificate of real estate ownership.
The above content introduces the matters needing attention about loan to buy a house and transfer ownership. When buying a house with a code, it is still necessary to find out the identity documents of the property and the seller, and also need to know some fees to be paid, as well as the state of the house and so on. These need to be understood. Can I borrow money to buy a house? The loan to buy a house is transferable and a legal transfer contract needs to be signed. These contents cannot be ignored.