Can my father immediately transfer the ownership after buying a house with the provident fund, and the loan will continue to be repaid by my father?

The auction house cannot be transferred, and it can only be transferred to the child's name after the house ownership certificate is handed over. If it is a gift, the transfer procedures and fees are as follows:

Housing donation requires a written contract between the donor and the real estate recipient, that is, a gift book. Then, the donor and the recipient should take the gift and the property certificate of the house, and at the same time go to the notary office where the house is located to notarize the house and the house.

Housing donation transfer procedures and fees:

1. Sign the confirmation letter

Go to the Housing Authority with your parents to sign the confirmation letter, and bring all relevant information, such as the property ownership certificate or the purchase contract; The free gift agreement between the real estate donor and the donee shows that the free gift is the true intention of the donor and the acceptance of the gift is the true intention of the donee. What needs to be added is that in the gift business, if the donee is a minor, the gift certificate unilaterally issued by the donor also has legal effect.

Fees: When signing the power of attorney, at least all work and miscellaneous fees should be collected, including survey fees, notarization fees per 50 yuan below 100 square meters, and search fees of 100 yuan.

estimate

Fees: The appraisal fee is 5‰ of the real estate assessment price, but at least RMB 1 000 is charged for each case. Because it is a gift business, the evaluation price is usually lower than the market price.

3. Handling the notarization of gifts

Charge standard: the gift notarization fee is 2% of the assessed price.

Pay taxes and fees

Cost: It is very complicated to register this gift with the Housing Authority. Upon arrival at the Housing Authority, the property will be re-evaluated, including:

The deed tax is 3% of the appraisal price of the Housing Authority;

Stamp duty is 0.5% of the appraisal price of the Housing Authority;

The registration fee for the transfer of real estate rights is 80 yuan per piece (10 yuan will be charged for each additional donee).

The above three items are generally paid by the donee.

There is also a land transfer fee, which depends on the nature of the donated property. If a part of the housing reform is not delivered to transfer fees, the donor will return it. It is worth mentioning that if the donated property is of the nature of housing reform, after this donation procedure, it will change its nature and become a commercial house.

5. Issue a new real estate license

Note: If the donor and the recipient are immediate family members or in-laws, the deed tax shall be exempted. If the gift is given between parents and children or between husband and wife, the deed tax shall be exempted.

Regardless of the provident fund or commercial loan, the purchaser and the lender must be consistent and cannot transfer the auction house. If your house is not mortgaged, you can apply to cancel the contract and change it to your name, but the lender must also be you, not your father. But you can give your father the account number of the loan and let him repay it, so that the lender is you and the payer is your father, and there is no conflict.