What is the transfer process of second-hand housing couples in Chengdu?

1. What is the transfer process of second-hand housing couples in Chengdu?

I. Transfer Process of Second-hand Housing in Chengdu

First of all, get and fill in the application for approval of real estate transfer, real estate sales contract, buyer's confirmation form and other forms; Transaction-signature of the inspectors of the buyer and the seller; Check the file-check whether the property right of the house is clear, whether there is mortgage, and seal it up (check the results in the morning and afternoon, and check the results the next day in the afternoon); Appraisal-making a house safety appraisal report; Nuclear price-the financial department evaluates the house price according to the transaction amount of the house sale (replacement) contract; Local tax-pay the seller's property business tax. After the above work is completed, the documents will be delivered the next day or the third day, and the deed tax, transaction fee and seal will be paid seven days later. Note that a receipt for the evidence must be obtained. After ten effective working days, the property buyer takes the original ID card to get the room card. Two. Information provided by the buyer and the seller

Information provided by the seller:

1. Property ownership certificate (1 copy, 4 copies of property registration map);

2. Deed tax certificate;

3. ID card (both husband and wife) (2 copies);

4. Husband and wife household registration book (copy1);

5. Marriage certificate (if it is lost to the civil affairs department of the original marriage registration place, other proof methods will not be recognized);

6. Singles and divorcees provide divorce certificates, divorce agreements or civil mediation books or judgments, and divorce certificates that have not remarried; Widowed to provide proof of purchase, widowed without remarriage; Unmarried persons shall provide unmarried certificate (copy 1).

Information provided by the buyer: ID card (2 copies).

Remarks:

1. notarial certificate of real estate gift, inheritance, entrustment, foreign affairs and Hong Kong, Macao and Taiwan.

2. Registered buyers should provide the Agreement.

3. For the sale within five years, the corresponding original approval of real estate transfer and the original special tax deduction form shall be provided.

The seller's husband and wife and the buyer must be present in person when the inspector signs.

5. Please keep good materials before handling the loan, including the original real estate license (including the property right registration map), deed tax certificate, and copies of ID cards of the buyer and the seller.

6. If the house is purchased by the property owner and his spouse first, and then the spouse of the property owner dies, all his children and legal heirs need to be present, and the property owner can only handle the transfer after notarization of inheritance.

Second, what is the loan process for buying a second-hand house?

Second-hand housing loan processing flow:

(1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract;

(2) Eligible buyers apply for loans from loan banks and provide relevant certification materials;

⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal;

(4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions;

5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan;

[6] The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities;

(7) The purchaser signs a second-hand house mortgage loan contract with the loan bank;

(8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration;

(9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; ⑽ The borrower repays the loan on a monthly basis; ⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.

Extended data:

Generally speaking, the sale of second-hand houses is mainly based on the seller's urgent need for money or urgent need to buy a house. In either case, it is difficult to promote installment payment with the owner.

Of course, if the two sides have reached an agreement, it is ok, but we should pay attention to the following points.

First, to sign relevant contracts in accordance with relevant legal procedures, we need to discuss the time of transfer.

Second, before signing relevant contracts, it is necessary to know whether there is mortgage or freezing.

Once you start signing the relevant purchase contract, you must pay attention to the provisions in the above detailed rules. You also need to put the receipt and your purchase contract in a contract, so that you can leave a note under your contract and leave a few lines blank for him to sign the relevant receipt.