What is the process of buying and selling loan houses?

The loan house is also a mortgage house, and the transaction transfer process of the mortgage house is as follows:

1, field inspection

This is an indispensable and important step in house transfer. If this link is missing, it will easily lead to disputes. Therefore, property buyers should not only inspect the house on the spot, but also pay attention to the authenticity of relevant documents such as real estate license, land certificate and property owner's ID card.

2. Sign a sales contract

After the house is inspected and verified on the spot, the buyer and the seller can sign a sales contract. It is necessary to reach an agreement on the details of the transaction to avoid the problem of unclear division of responsibilities.

3. The seller submits an application for prepayment to the loan bank, and handles the cancellation of real estate mortgage.

After the approval of the bank, the seller prepares funds to go to the bank to repay in advance. After handling, you need to bring the real estate license, other warrants, loan settlement certificate issued by the bank, application for cancellation of mortgage registration and ID card, and go to the relevant window of the real estate management center to cancel the mortgage.

4. The buyer handles the loan procedures.

If property buyers need to go through the loan procedures, they should prepare the corresponding loan materials in advance. The seller needs to prepare the real estate license and other materials, and go to the bank to handle the housing loan formalities together.

5. Handle transaction transfer.

Both the buyer and the seller carry the original relevant certificates and go through the transfer formalities at the Housing Authority. Generally, the processing time is one week. At the time of transfer, the buyer shall pay a deposit to the seller. Moreover, both buyers and sellers need to pay the corresponding taxes and fees according to the standard.

6. Submitted by the House of Representatives

After the transfer formalities, the seller moves out of the house and pays the water, electricity, gas and property management fees. Finally, the house handover confirmation is signed and the final payment of the house is paid, and the second-hand house transaction is over.