Second-hand housing transfer process
First, investigate the property right of the transaction house.
Buyers need to review the integrity, authenticity and reliability of property rights, and be optimistic about whether the owner's name on the property certificate is consistent with that of the seller, whether there is a mortgage or someone. Before the transfer
Second, the buyer and the seller sign a second-hand house sales contract.
Whether it is a real estate gift or a sale, it needs to be transferred, and both parties must sign a written transfer contract, that is, a second-hand house sale contract. The contract for the sale of second-hand houses must include the names and residences of both parties, the name and number of the real estate ownership certificate, the location, area and boundary of the real estate, the number of the plot, the way and years of obtaining the land use right, the use or nature of the real estate, the transaction price and payment method, the delivery time of the real estate, the liability for breach of contract and other matters agreed by both parties.
Third, evaluate the property.
Under normal circumstances, real estate appraisal needs to find an appraisal company, which takes about 5~7 working days.
Fourth, apply for a loan.
Property buyers who apply for a combination of provident fund loans and commercial loans need to apply for both provident fund and bank loans; If you only apply for a commercial loan (mortgage loan), you only need to apply for a loan from the bank. This process is a time-consuming stage in the second-hand housing transaction. After the loan is completed, we should pay attention to the cancellation of other warrants of the property.
V. Apply to the real estate management department for transfer.
The buyers and sellers of second-hand houses apply to the real estate management department with real estate ownership certificate, legal certificate of the parties, transfer contract and other relevant documents, declare the transaction price and take the form of acceptance.
Six, the real estate management department for verification.
The real estate management department shall review the relevant documents provided and give a written reply on whether to accept them within 15 days; Accept and verify the declared transaction price, and conduct on-the-spot investigation and evaluation of the transferred house as needed.
Seven, pay taxes and fees such as deed tax on second-hand housing transactions. 20 16 types of taxes and fees for new and second-hand housing transactions
Eight, the real estate management department issued a new housing property certificate. Both parties should go through the transfer formalities at the real estate management department and obtain the real estate ownership certificate.
Second-hand housing transfer process and matters needing attention
Matters needing attention in second-hand housing transfer
The transfer of second-hand houses is prone to problems such as property rights, leasing and breach of contract. And buyers need to be cautious when handling the transfer. In addition, if the parties entrust others to handle the transfer, they also need to prepare some necessary information. The following are the possible problems in the five-point transfer of second-hand houses. Both buyers and sellers should know the relevant precautions:
1. When purchasing a private house, the unit is required to provide the original legal person qualification certificate (with official seal), the legal representative receives the power of attorney, and the trustee should also provide the original and photocopy of the ID card;
2. If you want to handle the entrusted transfer. The client needs to issue a power of attorney or notarial certificate, and the client can only handle the transfer with the power of attorney or notarial certificate and the original and copy of personal ID card;
3. If the house has been leased, the buyer must ask the seller to provide proof that the lessee has given up the preemptive right when handling the transfer;
4. If the house has a * * * owner, the buyer shall require the seller to issue a certificate that the * * * owner agrees to sell and a certificate of the * * * owner, or the * * * owner shall be present to sign the contract and handle the transfer;
5. If the house is purchased after the judgment, the buyer shall prepare the judgment and the notice of assistance in execution before handling the transfer.
Nanjing second-hand housing loan policy 202 1
There is no house, no loan and no loan record, which means a down payment of 30%; You had a loan before, and you have paid it off. There is a suite under your name, with a down payment of at least 50%; 3. I had a loan before and didn't pay it back. I have a suite in my name, and the down payment is at least 80%. 3. There is a suite with no loan record. The down payment for the second suite is at least 50%. Loan interest rate, etc. This has something to do with your loan bank. The loan interest rate for the first suite of new houses is LPR80 basis points, and the interest rate for the second suite is LPR 105 basis points. According to the latest LPR of 4.65%, the interest rate for the first suite is 5.55%, and the interest rate for the second suite is 5.8%. Of course, interest rates change in real time, which is related to the current situation of banks.
First, the second-hand housing loan refers to the loan business in which the buyer uses the house traded in the second-hand housing market as collateral to apply for a loan from the bank to pay the purchase price, and then the buyer pays the principal and interest to the bank in installments. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
2. The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate the rules for interest calculation and settlement and the interest-bearing measures for deposit and loan business, and report them to the branch of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons shall notify the customers.
Three, generally within twenty years, and the maturity date of the loan in principle can not exceed the borrower's 65 years old. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.
4. Completion time of the house and loan amount: 80% of the highest loanable appraisal price of the commercial house with the completion time within five years; 70% of the highest loanable appraisal price of commercial housing from 2000 to 2003; 60% of the highest loanable appraisal price of commercial housing from 1993 to 1999; On this basis, the cost price of selling houses is reduced by10% respectively; 50% of the highest loanable appraisal price of office buildings, shops and apartments. (The specific loanable amount varies from bank to bank).
Verb (abbreviation of verb) If the borrower's income certificate is insufficient, it is necessary to provide the borrower's income certificate. The unit name on the income certificate must be the same as that on the application form. The address of this city must be filled in the current address column of the Application Approval Form; If * * * is the same as the borrower, two people are required to sign the application form and a corresponding statement is required. When filling in the Mortgage List of Individual House Purchase Contract, the original value is the transaction price of the buyer and the seller, and the discount rate = mortgage value (i.e. loan amount) ÷ original value or evaluation value (whichever is lower). Do not fill in the real estate license number and interest rate. Supplementary clauses of the loan contract: If the relevant statements and materials provided by the borrower are false, it will be regarded as a breach of contract, and the lender has the right to take measures such as announcing the early expiration of the contract, recovering part or all of the loan principal and interest, and investigating its liability for breach of contract. In case of loan interest rate adjustment, the default interest rate of overdue loans will rise by 30% according to the adjusted actual loan interest rate. Company seal: affix the company seal and the legal person seal to the house transaction confirmation and agreement; Personal second-hand housing loan down payment certificate; It needs to be stamped with the company seal and signed by the witness. _ Confirmation of mortgage transfer after second-hand housing loan; Stamp with official seal. Fill in the information and send it to the pre-trial.
Can second-hand houses be mortgaged? How to handle mortgage loans for second-hand houses?
Yes, at present, most big banks can handle second-hand housing mortgage loans.
Housing mortgage loan application conditions:
1. A natural person with full capacity for civil conduct, aged from 18 to 65 (inclusive);
2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;
3. Have good information records and willingness to repay;
4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. Commercial housing sales (pre-sale) contract or letter of intent for purchased housing;
6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
7. There is an effective guarantee recognized by the lender;
8. Other conditions stipulated by the bank.
Materials required for housing mortgage loan:
1, personal identification, household registration book, proof of residential address and proof of marital status;
2. Personal income certificate or asset status certificate;
3. Property certificate of mortgaged house;
4. If the applicant uses other people's property as collateral, it is also required to provide the property owner's ID card (including * * *), proof of marital status, written proof of consent to mortgage, etc.
5. If a bank is designated, other documents that meet the requirements of the bank are required.
The specific process of housing mortgage loan guarantee:
1. The property under the customer's name is first of all a large property right house that can be registered as a property mortgage;
2. Apply for mortgage loan;
3. The appraisal agency evaluates the self-owned real estate provided by customers and submits the real estate appraisal report.
4. Go through the formalities of real estate insurance and the corresponding loan approval procedures, and the loan amount can reach 80% of the assessed value at most.
5. The customer shall go through the mortgage registration formalities with the real estate license and loan contract at the district and county real estate bureau where the real estate is located.
6. After the mortgage registration is completed, the bank can issue loans.
The introduction of commercial loans for second-hand houses in Nanjing ends here.