What is the general process of handling the transfer of second-hand houses by yourself?

1. Determine the mortgage service company and loan scheme?

Before handling the loan, the borrower first needs to determine the mortgage service company with the intermediary, and consult with the mortgage service company to determine the loan plan.

2. Inquire about provident fund

After the borrower and the seller confirm their intention to buy a house, they will provide the account number of the provident fund, and the mortgage service company will inquire about the provident fund to determine the loan amount and loan term.

3. sign a house sale contract?

The borrower and the seller sign a house sales contract. After signing the contract, you need to go to the trading center in your area to handle the house transfer.

4. Prepare loan information,

The mortgage service company shall assist the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be appraised by an appraisal company; And the mortgage service company will conduct a preliminary audit.

5. Sign loan agreement, notarization and insurance?

The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After passing, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement.

6. Handle the house transfer and mortgage procedures?

The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.

7. apply for real estate license and mortgage certificate?

After the lender's real estate license and other rights certificates are issued, the mortgage service company will submit a copy of your real estate license and the original of other rights certificates to the bank.

8. Bank loan?

After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.

Two. Submission of materials

1, original registration application (provided by the acceptance window)

2, the applicant's identity certificate

3. The original house ownership certificate

4. The original contract for the sale of local stock houses signed online.

5. If the buyer and the seller agree to transfer the transaction settlement funds through a special account, they shall submit the original certificate of custody of the transaction settlement funds of the stock house; If the buyer and the seller agree to transfer the transaction settlement funds by themselves, they shall submit the original statement of self-transfer of the transaction settlement funds of the stock house.

6. Original deed tax payment or tax reduction or exemption certificate

7. The number of people reconsidered is+1, and the name of the property owner is shown in the house registration form and the house plan on the house ownership certificate.

Extended data

Second-hand housing transaction risk avoidance methods are as follows:

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

Before buying a house, the buyer should fully understand the various procedures required for the sale of the house. It is best to choose professionals to provide legal advice and then sign the contract carefully.

3. When signing the house purchase contract, the buyer shall ask the other party to provide the certificate that ensures the right to dispose of the house sold or the certificate that the husband and wife and other people agree to dispose of it.

4. Buyers and sellers of second-hand houses should choose formal intermediary agencies when trading, and agree on the contents agreed by both parties in writing.

5. In order to know the real situation of the purchased house, buyers should know the situation from the property, neighbors and developers before buying a house, and it is best to go to the scene to see the house and make a written agreement on how to bear the responsibility for quality problems.

6. The law clearly stipulates that houses built on rural homestead cannot be listed and traded, and it is suggested that urban residents should not buy such houses, which are not protected by law.

Baidu encyclopedia-second-hand house transaction

Baidu Encyclopedia-Second-hand Housing Sales Process