Second-hand housing transfer process

1, interview:

After the buyer and seller sign the sales contract, if they need a loan, they need to contact the bank first and apply for a bank loan. Specific handling method: the buyer and the seller need to bring the relevant certificates required by the bank, sign the loan contract issued by the bank at the bank outlet, and approve the loan after 7- 10 working days.

2. Submit to the public, online list and signature:

In the process of waiting for loan approval, the public maintenance fund payment, housing publicity and online signing will be handled. Note: The order of the three is first submitted to the public, then listed, and then signed online. If the buyer and the seller make a transaction by themselves, they can go to the real estate trading center for handling; If the buyer and seller make a transaction through an intermediary, they can handle it through the corresponding intermediary, but it is necessary to negotiate in advance whether additional fees are needed.

3. Loan approval:

Property buyers first apply to the bank for second-hand housing loans. After the bank reviews the materials of both parties and meets the loan conditions, the bank issues a loan approval letter and agrees to the loan, and then the bank issues a mortgage contract before the transfer.

4. Transfer tax:

After the bank approves the loan, it can go through the transfer formalities, and generally it can pay taxes on the same day. Require buyers and sellers and bank staff to be present and bring relevant information. For businesses that register receipts first, the real estate trading center will take back the original real estate license and issue a receipt, and then carry the receipt and relevant documents for tax reduction and exemption.

5. Obtain a certificate:

After the second-level approval, you can go to the real estate trading center to get the real estate license and other warrants. The property owner carries his receipt and ID card to get the property title certificate, and the bank staff takes the mortgage certificate, which is his property title certificate.

6. Delivery:

After obtaining the real estate license, you can handle the delivery of the property, that is, hand over the house. Note that when handing over the property, the seller should pay the electricity fee, cable TV fee, broadband fee, telephone fee, heating fee, property fee and other fees, and then both parties should go through the formalities of renaming.

Except for the cable TV license, which needs the cooperation of the seller, other documents can be handled by the buyer with the real estate license and ID card. The most important thing is to bring the real estate license and ID card to the police station where the house is located to verify whether the seller's account has moved out. If you haven't moved out, you should reserve a deposit for moving out of the account.

7. Loans:

The last step is the loan. After the bank obtains the other warrants, it will lend the money to the seller within 5- 10 working days, and consult the lending bank at the specific time. At this point, the whole process of buying a house by loan really ended. Compared with the loan to buy a house, it is much simpler to buy a house in full. There are only four processes: formal salary, listing, online signing, transfer of taxes, obtaining a certificate, and handing over a house. Only the buyer and the seller need to be present.