nowadays, when buying a house, because of the low interest rate and high house price, most people will choose to borrow money to buy a house. If the mortgage has not been paid off when choosing to buy a second-hand house, or if they want to sell their original house for a bigger and better house, many people will have doubts at this time. Can the loaned house be transferred and what is the transfer process? I really want to know about this matter. Today, Xiaobian has compiled a house about the loan. Can it be transferred? What is the transfer process? Let's watch it together.

can I transfer the loan house?

yes, but it must be handled in the form of sale. According to the Regulations on the Administration of Urban Real Estate Transfer, the following procedures should be followed:

1. Sign a written transfer contract; Within 3 days after signing the contract, apply to the housing management department where the real estate is located with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents, and declare the transaction price;

2. The housing management department shall review the relevant documents provided and make a written reply on whether to accept the application within 15 days;

3. The housing management department examines the declared transaction price, and conducts on-site survey and evaluation of the transferred real estate as required; The parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the regulations;

4. The real estate management department issues the transfer order; The parties shall go through the formalities of property right transfer with the transfer form and receive the certificate of real estate ownership.

so what are the transfer procedures?

1. The seller pays off the loan from the bank and cancels the mortgage, then he can go through the formalities of property right transfer. The two parties first reach an agreement on property right change, and then notarize it in the notary office. After the seller pays off the bank loan, the buyer can take out the real estate license from the bank and cancel the mortgage registration procedures. The buyer and the seller are registering the change of property rights according to the notarization agreement and completing the transfer.

2. The buyer and the seller negotiate and issue a written agreement on the change of house property rights to the bank. This method requires the consent of the bank. If the bank can agree to the change of property rights and the borrower is changed from the seller to the buyer, the bank will issue a certificate to register the change under the condition that the house has been mortgaged. If the bank does not agree to the change, the buyer and the seller need to transfer the ownership according to Method 1. Redeem the building from the bank first, that is, pay off the money owed to the bank first. If the owner has insufficient funds, he can ask the guarantee company to redeem the building for you, and then transfer the ownership.

3. Redeem the building. The seller looks for a guarantee company to guarantee, then pays off the balance, takes out the real estate license, then goes through the transfer registration, and then the seller repays the loan from the guarantee company.

4. Chinese laws do not support signing an agreement to transfer ownership. If buyers and sellers feel that this method is not good, they can find a reliable intermediary company to handle it. The buyer and the seller need to pay a certain handling fee to let the intermediary fund the loan. The seller gets the real estate license, transfers the property to the other party's name, and the buyer mortgages the intermediary company's funds.