What procedures do Hong Kong people need to go through to transfer property in the Mainland?

Hong Kong's second-hand housing transfer process in the Mainland mainly includes the following four steps:

1. There is no loan between the buyer and the seller: the buyer and the seller agree on a contract signing date; Pay the down payment to the seller within three working days after signing the general contract; And set the time for the real estate to enter the trading center. On the day of entering the trading center, the seller shall pay all the house payment except the final payment. After 20 working days, get a new real estate license; With the new real estate license, handle the property handover procedures, transfer the water, electricity and coal, and finally settle the balance to the seller when handing over the house. ?

Second, the seller has not paid off the loan: the buyer and the seller agree on a contract signing date; Within three working days after the signing of the general contract, the down payment shall be paid to the intermediary company for supervision; The seller, the buyer and the intermediary company witnessed the repayment of the outstanding bank loan of the landlord. After 7 working days, the bank loan ends, and both parties agree on a time for a real estate to enter the trading center; On the day of entering the trading center, the seller shall pay all the house payment except the final payment.

After 20 working days, get a new real estate license; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is delivered, the buyer pays the final payment to the seller.

Third, the buyer's loan to buy a house: first, review the buyer's loan amount and credit standing; After the verification is correct, both parties reach a sales agreement. The buyer and the seller agree on the date of signing the contract; Within three working days after the signing of the general contract, the buyer shall pay the down payment to the seller; The buyer signs a loan agreement with a loan company or bank; After the loan review is completed within 7 working days, both parties agree on the time when the property will enter the trading center; Get a new real estate license after 20 working days in the trading center; Bank loans to sellers with new real estate licenses; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is handed over, the buyer will settle the balance with the seller.

4. Both the buyer and the seller have loans: first, review the loan amount and credit standing of the buyer; After the verification is correct, both parties reach a sales agreement. The buyer and the seller agree on the date of signing the contract; Within three working days after the signing of the general contract, the buyer will pay the down payment to the intermediary company for supervision; The Seller, the Buyer and the intermediary company witness to pay off the outstanding bank loan of the Seller; After 7 working days, the bank loan is concluded, and the buyer signs a loan agreement with the loan company or bank; After the loan review is completed within 7 working days, the buyer and the seller agree on the time when a property will enter the trading center; Get a new real estate license after 20 working days in the trading center; Bank loans to sellers with new real estate licenses; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is handed over, the buyer will settle the balance with the seller.