In modern society, it is very common to borrow money to buy a house. Many times, we borrow money from the bank to buy a house, but when we sell the house, people pay us the bank loan. Many people are at a loss, not only want to hurt their own interests, but also want to get the money as soon as possible. Then how can I get money from the loan when I sell the house? How can I get a loan from the other party when I sell a house?
How to get money from the loan when selling a house?
1, first of all, this kind of loan to buy a house is normal, and now it is basically a loan to buy a house.
2. Sign the sales contract, the buyer will give you a deposit, and then you will prepare the information and sign it in the account manager of the loan bank. Both parties will attend. (The bank will send an appraisal company to your home to take photos for appraisal, and then approve the appraisal report to prove that the buyer of the house you sell can borrow it for so long, and will inform both of you to transfer ownership. ).
At the time of transfer, the buyer will pay you a down payment, and then submit it to the loan bank after the real estate license is completed and becomes the buyer's name. Since the bank has approved it before, you will see the real estate license directly hit your account. The required working days are uncertain, but the three months you said are a bit exaggerated even at the end of the year. He tells you the time like this unless he wants you to speed up.
3. At the same time, you should have these certificates (1), the original and photocopy of ID card (2), the original and photocopy of marriage certificate or the original and photocopy of unmarried certificate (3), income certificate (twice the monthly payment) (4), social security card (5), bank running bill for half a year (6), initial fund (7) and payment account (with income certificate).
Owner required: (1). Original and photocopy of the real estate license (if the real estate license is not in hand, the house should be redeemed (2). Original and photocopy of the ID card of the property ownership certificate holder (3). Collection account number (4). Copy of deposit receipt for signing sales (transfer) agreement.
How can I get a loan from the other party when I sell a house?
1. If the loan house is for sale, it needs to be cancelled before the transaction. You can negotiate with the buyer, and the buyer will take the money to put the mortgage, or find an intermediary company to put it in advance;
2. If it is a buyer's loan, you need to find an intermediary company or a special loan company to handle the loan formalities, and the loan will be issued by the bank after the buyer's property right is transferred.
Generally speaking, it is not uncommon to borrow money from the bank and then buy a house from me. Many people buy their own houses in this way, but the buying and selling process is similar, just pay attention to the details. Actually, it's nothing. If this happens, everything will be done according to the contract. For example, if you agree to transfer the ownership to him first, when will he give you all his money? If he breaks the contract, how can he compensate you for the loss? How can I get money from the loan when I sell a house? I sell my house and borrow money from the other party. I'm sure you know how to deal with these problems.
How to collect money for second-hand housing buyers' loans?
In the second-hand housing transaction, the buyer who intends to buy a house will pay a certain deposit to the seller in order to determine the buying and selling relationship. The seller can collect it or deduct the corresponding total house price with this deposit in the future.
2. When signing the house sales contract, the buyer and the seller can also negotiate that the buyer will pay a certain proportion of the house down payment, and the buyer will pay the balance after the transfer. In order to prevent it, both parties can go to the notary office for notarization.
3. When the buyer and the seller sign the house sales contract, the buyer and the seller can negotiate to pay the house price in one lump sum.
4. After the buyer applies for the mortgage loan, both parties can go through the transfer formalities at the local house transfer authority after the approval of the bank. After the transfer, the buyer must go to the bank to handle the mortgage loan procedures, and the bank will issue the mortgage loan applied by the buyer to the seller's bank account in one lump sum.
5. If the buyer needs to apply for a loan from the bank to buy a house, the seller can collect the down payment from the buyer after removing the loan amount, and the buyer can apply for a mortgage loan for the remaining house price from the bank. The seller can cooperate with the buyer to apply for a loan from the bank, and the seller will provide his bank account to the bank. After the loan formalities are completed, the bank will issue the mortgage loan applied by the buyer to the seller's account in one lump sum. In order to prevent it, both parties can go to the notary office for notarization.
6. How does the seller collect the house payment: the buyer can pay the seller in cash; It can also be transferred by the buyer to the seller through the bank; If the seller has a POS machine, the buyer can pay the house payment by swiping the card through the POS machine.
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How to deal with the loan when the house is sold?
Legal analysis: 1. Mortgage to mortgage. Transfer the remaining loan debt to the new buyer, but it needs the consent of the loan bank first, and the seller applies to the bank for changing the borrower, loan term and other information. 2. Pay off the loan with the buyer's down payment or full payment. If the buyer's down payment or full payment is enough to pay off the loan, the seller may apply to use the above funds to repay the loan in advance. There are still some risks in the trading house that has not paid off the loan, so when signing the sales contract, both parties should communicate in advance to reduce and avoid the risks.
Legal basis: Article 61 of the Law of People's Republic of China (PRC) on Urban Real Estate Management shall apply to the land administration department of the local people's government at or above the county level for registration, and the land administration department of the local people's government at or above the county level shall issue a land use right certificate after verification.
If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house.
When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level.
If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.
Urgent! ! ! What contract should the seller sign for the sale of second-hand houses and the buyer's loan?
1. Sign tripartite sales contracts and online sales contracts in the intermediary.
2. Cooperate with the buyer to sign the loan contract in the bank.
Do not authorize notarization;
If the seller's house is mortgaged with a loan, he can't afford the money himself. Generally, he needs to entrust an intermediary and a guarantee company with full authority to achieve the purpose of foreclosing on the house. The seller has many problems in the middle, because the intermediary can buy and sell the house without the seller's consent.
At the same time, it often goes against some oral opinions of the seller, and does not control the housing according to the seller's wishes, but controls the housing according to the intermediary's own wishes. However, when Shenzhen Notary Office requests to cancel notarization, it needs to take back the notarial certificate, and the intermediary often insists that the notarial certificate should not be returned to the seller. Often sellers can't control their own property.
Extended data:
Repayment method:
1, equal principal and interest
This is the most commonly used method, and it is also recommended by most banks for a long time. Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.
2. Average capital
The so-called average capital repayment method, also known as the repayment method of interest with principal and average capital with unequal interest. The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.
For example, we also borrowed 200,000 yuan from the bank, and the repayment period was 15 years. If you choose to repay the same principal, you need to repay the bank principal11yuan every month, and the interest in the first month is 9 18 yuan, totaling 2,200 yuan in the first month. Then, every month,