When buying and selling houses in general, the seller's bank has a loan, but it is unable to settle it. At this time, the other party needs to pay the money to settle the arrears of the bank in the transfer procedure.

Generally, this kind of advance payment is to use the buyer's down payment to settle the seller's bank loan. If the buyer doesn't want to, he can also find an intermediary's advance payment business, but the intermediary's advance payment business generally has interest.

What problems should buyers pay attention to when buying and selling second-hand houses?

Property buyers need to pay attention to the following issues when repaying loans in advance:

1. The buyer shall clearly define the division of each clause and the liability for breach of contract in advance in the house purchase contract, so as to prevent the seller from maliciously or not performing the delivery after repaying the loan in advance;

2. Relevant advance payment receipts and vouchers shall be properly kept to avoid accidents;

3. When signing a house purchase contract with the seller, the buyer should consider the hidden dangers caused by factors such as rising house prices in advance, stipulate the liability for breach of contract, and handle the transfer formalities as soon as possible to avoid the other party's remorse.

Extended data:

Second-hand housing transactions refer to those that have been registered in the real estate trading center, completed the initial registration and general registration, and listed again.

The whole process of second-hand housing transaction is roughly divided into the following stages:

1. The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents.

2. If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign a house sales contract (or a house sales contract). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.

3. The buyer and the seller apply to the real estate transaction management department for review. After the buyer and the seller apply to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures for the houses that meet the listing conditions. If there is no property right or some property rights without the written consent of other property rights, the application will be refused and the listing transaction will be prohibited.

4. Contract. The real estate transaction management department shall, according to the property right status and the purchase object of the transaction house, report to the transaction department for approval step by step according to the approval authority set in advance, and both parties to the transaction may go through the formalities for signing the deed. Beijing has cancelled the contract for the sale of real estate during the transaction, which is also commonly known as the "white deed".

5. Pay taxes and fees. The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.

6. Go through the formalities of property right transfer. After the real estate transaction management department completes the registration of property right change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate.

7. For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.

8. After the buyer obtains the ownership certificate of the house and pays off all the house price, and the seller delivers the house and settles all the property fees, all the second-hand house sales contracts between the two parties are fulfilled.