You can negotiate with the seller to change the way of buying a house, and buy a house in full without applying for a loan.

Second-hand housing loan process: the lender needs to first determine whether the house purchase is supported by the bank and whether it can operate the mortgage house purchase business (the house agent or the owner can determine it or go to the bank directly); After the purchaser confirms that the house can apply for mortgage loan, he/she goes to the loan bank to fill in the mortgage application form and prepare the application materials.

Second, is it safe to transfer the down payment directly to the owner to buy a second-hand house on the day of mortgage?

Buying a second-hand house by mortgage and transferring the down payment directly to the owner on the day of transfer is not a safe operation for the buyer. Especially in the sale of second-hand houses, buyers have a high tendency to transfer the down payment directly to sellers.

In the second-hand housing transaction, the file query of real estate license is an important link. Through the file query of property right certificate, we can know whether the house is mortgaged, whether it belongs to the risk of seizure and other important ownership information.

In the sale of second-hand houses, some buyers and sellers who trade on their own do not check the real estate license or supervise the transaction funds, so there is a high risk in such housing transactions. It is prone to the risk that property buyers pay the down payment and the real estate license is restricted from being transferred, and even the house is seized after the down payment is paid.

Therefore, in the second-hand housing transaction, the more secure method is to supervise the transaction funds. After the Housing Authority issues the receipt, the down payment is deposited into the fund supervision account and paid to the seller through fund custody. When the transaction cannot be reached, the transaction security can be effectively guaranteed and the transaction risk can be reduced by means of transfer.

The above is helpful to the subject.

Buying a house is often an important thing, because the transaction amount involved in the house is very large.

But in the process of buying a house, especially buying a second-hand house, many friends don't know when to transfer the down payment to the owner, which is relatively safe. Today, let's talk together. When is it safer to transfer the down payment? What else do you need to do to buy a second-hand house?

1. When should I transfer?

I often tell you that the second-hand housing market is very complicated, not only a lot.

Therefore, many property buyers are always thinking about such a problem, which is safe for the owners.

In fact, with so many real estate transactions, I think it is safe to transfer the down payment to the owner as long as the second-hand house has been transferred. First, the house should be transferred.

For second-hand housing transactions, we must understand such a thing, as long as the house belongs to buying a house.

Because the second-hand housing transfer is the real estate license of the original owner who is buying a house now.

In other words, once the Housing Authority helps you build a house, the house will be yours.

Second, transfer the down payment on the transfer day.

Therefore, I often suggest that in the process of second-hand housing transactions, once the transfer is made, it is good to transfer the down payment to the owner immediately.

After all, in terms of legal procedures, the house has belonged to a subordinate of the buyer and is the personal asset of the buyer.

Limit the down payment in advance, and on the other hand, wait until the owner receives the final payment before handing over the house.

Indeed, it is safe to transfer the down payment to the owner on the day of the second-hand housing mortgage transfer.

And the child has been transferred, and the down payment must be transferred to the owner. After all, once the bank lends money, the owner will return the house to himself, implement it earlier and close the house earlier.

Second, what else should I pay attention to when buying a second-hand house?

My house is a very complicated thing, and it is also a very important thing.

In the process of buying second-hand houses, we will face many directions.

Therefore, in the process of buying second-hand houses, we need to pay attention to many problems. Let's have a look. First, is the house safe?

In the process of buying a second-hand house, the first thing to pay attention to is whether the house you bought is safe.

We must ensure that the house has no mortgage, no foreign debt, no possibility of being sealed up, no property rights and so on.

Only in this way can the house be traded normally and the risk of buying a house can be avoided.

Second, are furniture and home appliances sold together?

From another perspective, in fact, most second-hand houses are sold with furniture and home appliances.

However, we often encounter such a situation. When the house was really transferred, the owner told us that he was embarrassed to move the furniture.

Therefore, before paying the deposit before buying a house, we should first talk about interior decoration and how to deal with all furniture and appliances.

Indeed, in the process of buying second-hand houses, we need to pay attention to such problems.

After all, the amount involved in the house is particularly large, and it is not easy to make money as a buyer. We must pay attention to it. Don't wait until the risks of the contract appear to regret that you didn't control it well.

Third, summary.

Generally speaking, the real estate market is divided into primary housing market and second-hand housing market, and the second-hand housing market is more complicated.

In the process of buying second-hand houses, we should not only control the lot, but also control the surrounding facilities.

After all, most of the second-hand houses in big cities have been built, and many owners have used them for several years. The surrounding facilities are not updated much, so it is possible to choose those areas with better facilities and higher maturity as far as possible.

After all, the areas where a large number of second-hand houses are concentrated are not those new areas, and many new plans have not yet started construction, so we can look forward to it.

At the same time, protecting the location value of second-hand houses is to make your life more convenient and work more efficiently.

I am an old driver of Chongqing property market @ Chongqing Real Estate Vision. I have more than ten years of real estate investment experience. Familiar with the real estate value, housing loan policy and housing purchase knowledge in various districts of Chongqing. Often share the first-line dynamics of Chongqing property market. Let's communicate and grow together!

In the second-hand housing transaction, there are often transaction risks, from spending time and energy to dealing with these problems, to money and housing may be hollowed out.

Some netizens here asked, it has been transferred, and the buyer's down payment is directly transferred to the owner. Is there any risk? According to my understanding, here is a brief analysis.

The property right has been transferred and there is no risk for the buyer. As this netizen said here, the property right has been transferred and the real estate registration center has given the receipt to the buyer. After a week, you will get a new property right certificate. For the buyer, there is no risk, and the down payment will of course be paid to the owner.

The receipt here is the title certificate presented to you by the title certificate, which is legal and effective, equivalent to the title certificate to a certain extent, but it takes some time to make a new title certificate after the transfer, so the title certificate is replaced by a receipt.

The property right has been owned by the buyer, and the transaction risk of the buyer is greatly reduced. If the down payment is made to the owner, there will be no risk. Besides, you just paid the down payment, haven't applied for a mortgage, and there are 70% of the house price. What are the risks you are worried about?

Under what circumstances are money and houses empty? This netizen is very worried about the problem of money and empty house. The property right transaction has been carried out here, and the house has been bought by the buyer. The buyer only paid 30% of the house price to the owner, and there is still a lot of house price that has not been paid to the owner. More risks were transferred to the owners.

If you pay the money and haven't got the house, this situation will have both money and the house.

In the second-hand housing transaction, what will happen if the money and the house are empty?

(1), seizure of real estate. If the purchased property itself is sealed up, you sign a sales contract and pay a certain amount of money, then this situation may be that the money is empty and the house is empty.

Sealed houses are different. If the house is foreclosed by the bank, the bank will withdraw the lawsuit after paying back the money and can trade after unsealing.

However, some houses cannot be unsealed, for example, the property illegally obtained by taking bribes. If this can't be unsealed, the house payment will be paid, and the money and house will be empty.

If it is a sealed house, the intermediary company will not recommend it to the buyer. This sealed house cannot be transferred or traded. When the intermediary is busy, it will not get the commission, which is not worth the loss. Of course, it will not be recommended to buyers.

The seized house has money and vacant rooms, which are often privately traded by buyers and sellers. On the one hand, the price of the sealed house is relatively cheap, and buyers will be moved when they see such a cheap house; On the other hand, the buyer didn't understand that no one controlled the risk, and finally the money and the house were empty.

(2) The owner breaches the contract. Some owners sign sales contracts with buyers. After the buyers pay the house price, the owners take the money to do other things and cannot transfer the ownership. At this time, the owner defaults, and the buyer may have both money and housing.

In this case, the buyer will file a lawsuit and the owner himself has already taken the money to do other things. It may be that the house is still mortgaged in the bank and cannot be redeemed, resulting in the inability to transfer the property rights and repay the house payment. Buyers will face both money and housing problems.

If the transaction is through an intermediary, then the intermediary will ask the buyer to cooperate to control the transaction risk. If it is a mortgage, when will the down payment be paid? If it is a full transaction, when is the most appropriate and safest time to pay the house?

From the above analysis,

The property right has been transferred and the buyer has obtained the property right receipt. At this time, the property right is already the buyer's, and there will be no money and no house.

At this time, the risk should be the owner. The property right has been transferred, and the owner only receives the down payment for the house. It is uncertain when most of the final payment will arrive, so the owner will have great transaction risk.

Of course, this is also my personal opinion, for reference only. Welcome everyone to leave a message on this issue below, express their views and opinions, and exchange and learn from each other.

Buying a house is definitely safe, because it is already in your name and has nothing to do with the original owner. On the other hand, it is very risky for the original owner. Although the original owner got the down payment, the rest of the house payment had to wait for the bank to lend money. Whether the bank can lend money depends on whether you get a new property right certificate. Without mortgage, the bank will not lend money. If you have problems with the loan qualification during this period, the bank will not lend money. Who do you think is at greater risk? Therefore, most homeowners require to receive the final payment before handing over the house.

This is a normal way of operation, don't worry, worry is also the seller's worry that your mortgage has not been put down.

The house has been settled in the Housing Authority, and it is already in your name. If the down payment is not paid to the seller, who will be responsible for the seller's protection? The seller should be worried, not you. The seller has to wait for the final payment of your bank mortgage. If the bank refuses to lend money or your personal behavior causes the bank to refuse to lend money, the seller is also at great risk.

What you are worried about is that you didn't get the real estate license and didn't accept the house. Let me analyze it for you. In the housing authority system, this house is already in your name. At this time, no one can cancel the original owner casually (unless there is a judgment to change it back). The other didn't take over the house. It depends on when the house is delivered in your sales contract. If it's over, you can take legal proceedings to let the other party compensate you for your losses.

Now the sales contract is perfect and it is easy to go through legal procedures, so all the problems you are worried about are unnecessary.

I think it's safer this way!

Transfer! This is the most important link in the regular second-hand housing sale!

To get to this point, there are still many formalities to be done at the front end.

First: tax payment certificate. (i.e. paying deed tax and individual tax)

Second: check the file. See if the house is sealed up or mortgaged. )

Third: question questionnaire? See if the land of this house is available. Some houses were already registered when he issued the certificate, so there is no need to fight any more. )

The above three links have been completed, and your transfer application is only accepted at the window of the Housing Authority. The transfer application form shall be signed by the buyer and the seller with identity documents in front of the staff of the Housing Authority. It is also required to take photos and input them into the computer for archiving. After the whole process is completed, the Housing Authority will give the buyer a receipt. With this receipt, the transfer will be successful, and it is estimated that a new real estate license will be issued in a week or so.

Do you still feel unsafe to transfer the down payment to the seller at this time?

Usually, after the second-hand house is delivered, it is safe for the buyer to transfer the down payment directly to the owner, which is also a common operation mode in the sale of second-hand houses.

The only uncertainty is whether the house will be sealed up. In case of seizure, there will be wrangling.

Of course, the most correct way is that before the transfer, buyers and sellers should supervise the down payment in the Housing Authority. The supervision of funds can play a very good supervisory role. Buyers don't have to worry about the interruption of the transfer due to the seller's problems during the transfer process, and the seller doesn't have to worry about not getting the down payment after the transfer.

Many people, including some intermediary practitioners, feel that fund supervision is a troublesome thing, so they are unwilling to do the process of fund supervision and skip this procedure directly. In fact, such an operation will increase the transaction risk, especially the problem of seizure.

Therefore, the first thing to do in the transfer of second-hand houses is fund supervision! Then go through other transfer procedures!

Third, buy a second-hand house. The original owner bought it with a mortgage. How can I transfer it to the full amount? ...

Like the sale of second-hand real estate, there are business tax, personal income tax, deed tax, printing fees, trading center service fees and so on. Note that this is a mansion, and the tax on the mansion is quite high.

Fourth, buy a second-hand house. The original owner bought it with a mortgage. I want to buy it in full. How can I transfer it to me?

The process for the Buyer to purchase the mortgaged second-hand house in full is as follows:

1, property right survey (survey whether the property is mortgaged, sealed up, analyzed, inherited and owned by * * *).

The buyer pays the down payment to the seller.

3. The seller goes to the bank to handle the mortgage formalities.

4. Both parties shall handle the house transfer together.

5. Both parties shall jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out).

6. The buyer shall pay the seller in full.