1. Change the property owner through transfer. The analysis of divorced property obtained from divorced mortgaged houses is the proof that the transfer of divorced property is exempt from deed tax. If it is not because of divorce, the deed tax will be paid when the property is transferred.
This business is very difficult because of the mortgage refinancing procedure. To this end, through the normal transaction process transfer, pay the deed tax, and evaluate the guarantee fee; The second is to go to the notary office for real estate notarization, and then pay back by credit card.
2. Can the provident fund loan of Changchun Construction Bank be transferred to the other party after divorce?
No, the detailed reason is: the loan responsibility should be divided well when divorcing, otherwise the original husband and wife should be investigated for the default of provident fund loan after divorce; Property transfer, you need to pay off the bank loan before you can handle the property transfer; As for bank loans, you need to apply again; If it is necessary to change the borrower due to the borrower's death, divorce or other legal reasons, and the new borrower is the immediate family member or spouse of the original borrower, regardless of whether it meets the conditions for personal provident fund loans at the time of change, the new borrower can directly go through the change procedures. Summary: After divorce, the provident fund loan cannot be transferred.
Third, how to transfer the divorce housing loan
1. Change the property owner through transfer. If a divorced mortgage house obtains a real estate license, it is necessary to conduct a divorce property analysis first, which is the proof that the divorce property transfer is exempt from deed tax. If it is not because of divorce, the deed tax will be paid when the property is transferred. At present, most banks have stopped this business because of the troublesome procedures of lending. To this end, the bank gives two suggestions. One is to transfer the ownership through the normal transaction process, pay the deed tax again and evaluate the guarantee fee; Second, after going to the notary office to notarize the property, one party will continue to use the original mortgagor's bank card to repay the loan.
Fourth, how to transfer the divorce mortgage to the other party?
After the divorce changes the property to the other party's name, the mortgage will also be transferred to the other party's name. However, the transfer of divorced real estate needs to be registered first, then transferred to the trading center, and then applied to the Housing Authority for exemption from deed tax. Finally, after obtaining the real estate license, the mortgage will be transferred to the other party's name. Deed tax is a kind of tax levied on the owner of land and house when the ownership of land and house changes. Taxable scope includes: sale, donation and exchange of land use rights, house sale, house donation and house exchange. Deed tax payment certificate is a kind of tax payment certificate issued by the tax department responsible for collecting real estate transaction tax to the buyers, which represents that the buyers have paid the corresponding taxes. The deed tax payment certificate is priceless before it is filled in. After filling it out, it is the taxpayer and the taxpayer's tax payment certificate. It can also be used to check the tax payment of taxpayers and taxpayers. In addition, in the process of real estate transactions, the use of deed tax payment vouchers can not be ignored, such as the sale of second-hand houses, the withdrawal of housing provident fund, loans and so on. Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.