There are many procedures that need to be handled in the process of housing transaction, and housing transfer is one of them. If you don't know the housing transfer process in advance, you may encounter embarrassing scenes and even cause disputes in the process of handling. What if the house transfer loan can't be done? And what is the transfer process of the interview loan? Let's take a look with Bian Xiao!

1. What should I do if the house transfer loan cannot be done?

Under normal circumstances, you need to apply for a loan from the bank before the house is transferred, and then go through the formalities of house transfer after the bank reviews it. However, if the mortgage does not come down after the transfer, the property right of the house has been transferred to the buyer. Although the property right of the house belongs to the buyer at this time, if the loan cannot be processed in the later stage, the seller can demand that the property right of the house be returned to his own name through litigation.

Second, what is the transfer process of second-hand housing loans?

1. 1. Both parties to the house transaction shall go to the loan bank with relevant materials and fill in the loan application form as required. After filling in, submit the application form and required materials to the relevant bank staff, who will review the materials and give the approximate loan term and loan amount.

2. Bank staff contact the real estate appraisal agency to determine the time of real estate appraisal. After the housing appraisal, the real estate appraisal agency needs to submit a real estate appraisal report to the bank, and the bank will re-examine the qualifications of the applicant. After approval, the loan term and amount shall be determined according to the real estate appraisal report and the qualifications of the applicant.

3. After passing the bank audit, the buyer needs to pay the down payment to the seller, and then both parties to the house transaction and the bank staff go through the house transfer formalities at the local real estate trading center, and wait for a period of time to get the real estate license. After that, the buyer needs to go through the mortgage and loan procedures. After the completion, the bank will transfer the house payment to the seller's bank account, and the buyer only needs to repay it on time.

Summary: The related content of how to do if the house transfer loan cannot be done is introduced here for everyone, hoping to help friends in need. Finally, I would like to remind you that property buyers need to know the property rights of the house before going through the formalities of house transfer, and then go through the follow-up procedures after making sure there is no property right dispute.