The transfer process of mortgaged real estate stipulated by different big cities is likely to be different. Taking the transfer of mortgaged real estate in Wuxi as an example, the main steps are as follows:

1. The two parties to the transaction reached an agreement on the sale of real estate and obtained the permission of the pledged loan bank;

2. Both parties to the transaction sign a fund control agreement with the loan financial institution to ensure that the controlled funds can exceed the remaining loan interest of the seller;

3. After the loan handled by the buyer is audited by the bank, the down payment of the buyer and the loan funds issued by the bank will be deposited in the special account;

4. Apply for the filing of "three certificates in one", that is, the pre-sale registration of second-hand housing sales, the industrial and commercial change of the seller's pledge, and the joint application of the buyer's new pledge;

5. The funds released in the special management account will be used to pay off the remaining loan interest of the seller, cancel the mortgage filing, and then transfer the remaining funds to the account designated by the seller.

In the whole process, the pledged real estate can be traded and transferred without repaying the mortgage in advance and making advance payment, and the funds are under special control. Once the payment fails due to probability or abnormal circumstances, the deposited funds will be returned, which can not only effectively prevent transaction risks, but also avoid fund disputes.

II. Materials required for the transfer of mortgaged property rights

1, Seller's materials

Mainly identity documents, savings cards, after all, housing loans have been submitted before.

2. Buyer's materials

Identity certificate, household registration book, unmarried certificate, work income certificate, credit report, family house property certificate, down payment certificate, repayment savings card and information specified by financial institutions.

3. Information about the house

Mainly real estate license, house sales contract, pledge loan contract after the buyer's loan is approved, and pledge change agreement issued by financial institutions. Because the mortgage property transfer process is to change the mortgage loan on the premise of applying for the business process of second-hand housing sale, only one set of materials and business process need to be submitted once, and it can be handled in the same preliminary examination dialog box, which reduces the intermediate procedures and shortens the transaction cycle.

What if the bank card password is entered incorrectly for 3 times and locked? Incorrect payment passwords can be locked three times in the following ways:

1. If the payment password is incorrect and locked for three times, the user can give up the actual operation, wait 24 hours for automatic locking, and then change the correct login password.

2. Cardholders can also choose to bring their personal ID card of savings card to the service outlets of the issuing bank, apply for opening on the display cabinet, or call the bank to apply for opening.

Business outlets can be automatically locked according to the secret inspection, which generally takes effect immediately. However, the user's identity certificate fails to pass the identity authentication, or the debit card login password is changed with other valid identity documents, which often delays the entry into force.

When setting the password, customers should set their own long-term login password to prevent forgetting. When problems need attention, the login password should not be too simple, such as 123456, or the date of birth and the last six digits of the mobile phone number of the fund are too simple and easy to be stolen by criminals.