Changsha City’s transfer policy with mortgage is as follows:

1. House buyers can choose this method to transfer when purchasing commercial housing, but it should be noted that this policy only applies to those who meet the conditions. House buyers;

2. House buyers need to have a stable source of income, a good credit record and other conditions, and the house must not have any disputes;

3. House buyers need to apply to the bank When applying for a loan, the bank will determine the loan amount based on the home buyer's application and qualification review, and sign a loan contract with the home buyer; 4. After the loan contract takes effect, the home buyer will mortgage the real estate certificate, and then transfer the house payment through the bank Payment is made to the developer and the transfer procedures are finally carried out. After paying off the loan, the home buyer can apply to release the mortgage and get back the property certificate.

Although Changsha City’s transfer policy with mortgage can help home buyers solve financial problems, you need to pay attention to the following matters when choosing this method:

1. Home buyers need to be stable source of income and a good credit record in order to pass the bank's loan application and qualification review;

2. Home buyers need to carefully read the loan contract and related agreements to understand the rights and obligations of all parties, especially regarding mortgages Terms of loan and transfer procedures;

3. Home buyers need to ensure that there are no disputes about the house. If there are property rights disputes or legal proceedings, it may affect the loan application and transfer procedures, or even invalidate the contract. ;

4. Home buyers need to ensure that the banks and developers they choose are legal and reputable institutions to avoid risks to funds and equity;

5. Home buyers need to comply with relevant regulations Laws, regulations and policies, such as repaying loans on time, completing transfer procedures in a timely manner, etc., to avoid problems such as overdue repayment and breach of contract;

6. Home buyers can consult professional lawyers or real estate agencies to help Get more comprehensive and accurate information and advice.

To sum up, when choosing Changsha City’s transfer policy with mortgage, home buyers need to carefully understand the policy regulations and related processes, and try to avoid risks and disputes to protect their legitimate rights and interests.

Legal basis:

Article 406 of the "People's Republic of China and Civil Code"

During the mortgage period, the mortgagor may transfer the mortgaged property. If the parties agree otherwise, such agreement shall prevail. If the mortgaged property is transferred, the mortgage rights will not be affected.

If the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage rights, he may request the mortgagor to pay off the debt in advance or deposit the proceeds from the transfer to the mortgagee. The portion of the transfer price that exceeds the amount of the creditor's rights belongs to the mortgagor, and the shortfall is paid off by the debtor.