Can a house that has not paid off the loan after divorce be transferred?
Can the house with outstanding loan be transferred after divorce? Actually, you can, but the procedures required are very complicated. Because the house used for buying and selling is still mortgaged, the transaction between the two parties may not be completed for a period of time, but both parties have reached an intention to buy and sell. In order to prevent the seller from selling the house or the buyer from buying the house when the house transaction conditions are met, both parties may conclude a deposit contract. 1. The significance of concluding a deposit contract is that when the conditions stipulated in the contract are met, both parties should conclude a formal house sales contract and perform their respective obligations according to the contract. Otherwise, the party receiving the deposit shall double the deposit, and the party paying the deposit shall not claim the deposit. 2. In the case that the loan is not paid off, the real estate license is in the bank and it is impossible to transfer the ownership. If you agree that the house belongs to you and you are ready to pay off the remaining loan, you can ask if you can add your name. The feasible methods are: first, apply to the original loan bank for early repayment. After the general bank accepts it successfully, it will tell you the specific deduction time. The borrower needs to deposit enough loan balance into the original contribution passbook or account number before the deduction time notified by the bank. Generally, you can get back the original real estate license about one month after the loan is paid off (remember to cancel the mortgage registration in the Housing Authority), and then you can go through the subsequent transfer procedures. How to transfer the house that has not paid off the loan after divorce does not affect the transfer of the house after divorce. As long as both parties reach an agreement on the ownership of the house, and then properly handle the outstanding balance, the parties can apply to the local house registration management department for transfer according to Article 33 of the House Registration Measures with relevant documents and according to legal procedures. 1. If the divorce involves house transfer, both parties shall apply for registration at the same time and submit the following materials: house ownership certificate, identity certificate and copy; Submission of divorce by agreement: divorce certificate and copy, divorce property ownership agreement; Where the obligee applies for registration, a notarized divorce property ownership agreement shall be submitted; The court shall submit copies of valid court judgments and divorce judgments. If the ownership of the property is clearly defined in the judgment, the obligee may apply for registration. 2. Transfer procedures of divorce property rights: 1. Go to the notary office to do property analysis notarization (the cost is about 500-800 yuan). If there is a divorce judgment, notarization is not required; 2. Go to the trading center to transfer paintings (usually on the same day); 3. Apply for deed tax relief at the Housing Authority (about 10 working days); 4. Go through the registration formalities of production analysis (about 7 working days) and pay the registration fee of 50 yuan; 5. Obtaining evidence (5 yuan pays the stamp duty of license plate). The above are the answers about "Can the house with outstanding loan be transferred after divorce" and "How to transfer the house with outstanding loan after divorce". I believe everyone will have a certain understanding after reading it. I hope that friends who encounter such disputes will understand the above related matters and handle this matter in accordance with the regulations.