Second-hand housing sales should be transferred or down payment first.

Second-hand housing sales are first transfer and then payment.

1. Generally, both parties pay the deposit when signing the contract;

2. Apply for transfer according to the time agreed in the contract between the two parties, and submit the transfer application materials to the Housing Authority;

3. After the successful acceptance by the Housing Authority, the down payment or 50% of the house price paid by the buyer to the property on that day;

4. Pay taxes according to the specified time, and send the tax bill back to the Housing Authority for review;

5. After the approval, the Housing Authority will issue a formal acceptance receipt, indicating that a new real estate license can be obtained in a few days. At the same time, the buyer settles the remaining house payment, and both parties hand over the house, and the transaction is completed.

Extended data:

Second-hand housing sales process:

1. Looking at the house: the buyer looks at the house, and the buyer and the seller preliminarily negotiate the price, payment method, delivery date and other matters. In general, all expenses incurred by the buyer and the seller are paid by the buyer and the seller;

2. File search: the buyer and the seller hold the original real estate license or the original mortgage contract to the land department of the archives building for file search;

Three. Signing: After the buyers and sellers negotiate the house price, down payment, fund supervision, loan application time, foreclosure fee, transfer application time, tax payment method, delivery date, tenant situation, commission payment time and proportion, and liability for breach of contract, they sign a tripartite contract or contract with the intermediary, write the above contents into the contract (Shenzhen Uniform Format Contract), and pay the down payment to the intermediary company.

4. The seller and the guarantee company go to the notary office for notarization, and the seller entrusts the guarantee company to handle related affairs;

Verb (abbreviation of verb) fund supervision and loan application: the buyer pays the down payment to the fund supervision account of the mortgage bank (usually the original loan bank, if it is changed to another bank, it will cost more), and the buyer and the guarantee company sign the fund supervision agreement and related documents with the bank (many of them are unclear, but they are busy signing).

The buyer applies for a loan from the bank, and after the bank agrees to the loan, it will issue a loan commitment letter to the buyer (usually the bank directly informs the guarantee company), which will take about 7~8 working days;

6. Redemption of the building: After the buyer pays the guarantee fee to the guarantee company, the guarantee company applies to the original loan bank for redemption of the building, and the guarantee company issues a letter of guarantee to the bank for redemption and cancellation of mortgage registration, which takes about 5 working days;

Seven. House transfer: It takes 5 working days for the buyer and the guarantee company to sign at the third floor of Shenzhen Real Estate Property Registration Center (Jinhu Cultural Square, located between the bank bus station and Nanfang Pharmaceutical Factory) to receive the receipt after the guarantee company submits the application for house transfer;

8. Property buyers and guarantee companies sign in the license window and pay the real estate license fee (remember to make more copies and wait until the loan is paid off). The guarantee company takes out the new real estate license, registers the mortgage with the mortgage bank in Shenzhen real estate property right registration center, and the bank pays the down payment to the seller. After the mortgage registration of the new real estate license, it takes about 10 working days for the bank to give the seller a loan after deducting the mortgage loan;

Nine, delivery: the buyer and the seller handle the delivery of the house, water, electricity and other transfer, and the buyer gets the key.

References:

Second-hand housing sales process? Baidu baike