Is it safe to transfer the down payment directly to the owner to buy a second-hand house on the day of mortgage?

Buying a second-hand house by mortgage and transferring the down payment directly to the owner on the day of transfer is not a safe operation for the buyer. Especially in the second-hand housing transaction, it is very risky for the buyer to directly transfer the down payment to the seller.

In the second-hand housing transaction, the file query of real estate license is an important link. Through the file query of property right certificate, we can know whether the house is mortgaged, whether it is within the scope of expropriation and demolition, whether there is the risk of court seizure and other important ownership information.

In the sale of second-hand houses, some buyers and sellers who trade on their own do not check the real estate license or supervise the transaction funds, so there is a high risk in such housing transactions. It is prone to the risk that property buyers pay the down payment and the real estate license is restricted from being transferred, or even the house is seized by the court after the down payment is paid.

Therefore, in the second-hand housing transaction, the more secure method is to supervise the transaction funds. After the Housing Authority issues the receipt, the down payment is deposited into the fund supervision account and paid to the seller through fund custody. When the transaction cannot be reached, it is transferred to the buyer's original transfer account by means of transfer, which effectively guarantees the security of the transaction and reduces the transaction risk.

The above is my answer, I hope my answer can be helpful to the subject.

Buying a house is a very important thing for everyone, because the transaction amount involved in the house is very large.

But in the process of buying a house, especially buying a second-hand house, many friends don't know when to transfer the down payment to the owner, which is relatively safe. Today, let's talk together. When is it safer to transfer the down payment? What else do you need to do to buy a second-hand house?

1. When is it safer to transfer the down payment to someone?

I often tell you that the second-hand housing market is very complicated, with many procedures and high risks.

Therefore, many property buyers are always thinking about such a question. When is it safer to transfer the down payment to the owner?

In fact, with so many real estate transactions, I think it is safe to transfer the down payment to the owner as long as the second-hand house has been transferred. First, the house transfer means that the house is your own.

For second-hand housing transactions, we must understand such a thing. As long as the house has been transferred, it means the house belongs to buying a house.

Because the transfer of second-hand housing is to cancel the original owner's real estate license and then update it to the current buyer's real estate license.

In other words, once the Housing Authority helps you transfer the ownership, then the real estate license is your name and the house is yours.

Second, transfer the down payment on the transfer day.

Therefore, I often suggest that in the process of second-hand housing transactions, once the transfer is made, it is good to transfer the down payment to the owner immediately.

After all, legally speaking, the house has been owned by a subordinate of the buyer, which is the buyer's personal assets.

Transfer the down payment to the owner in advance, on the one hand, to fulfill the contract constraints, on the other hand, to wait for the owner to collect the final payment before handing over the house.

……

Indeed, it is safe to transfer the down payment to the owner on the day of the second-hand housing mortgage transfer.

And theoretically, morally, the house has been transferred, and the down payment must be transferred to the owner. After all, once the bank lends money, the owner will return the house to himself, implement it earlier and close the house earlier.

Second, what else should I pay attention to when buying a second-hand house?

I often tell you that buying a second-hand house is a very complicated and important thing.

In the process of buying second-hand houses, we will face many contract disputes and many potential directions.

Therefore, in the process of buying second-hand houses, we need to pay attention to many problems. Let's have a look. First, is the house safe?

In the process of buying a second-hand house, the first thing to pay attention to is whether the house you bought is safe.

We must ensure that there is no mortgage, no foreign debt, no possibility of seizure, no property disputes and so on.

Only in this way can the house be traded normally and the risk of buying a house can be avoided.

Second, are furniture and home appliances sold together?

From another perspective, in fact, most second-hand houses are sold with furniture and home appliances.

However, we often encounter such a situation. When the house was really transferred, the owner told us that he was embarrassed to move the furniture.

Therefore, before paying the deposit before buying a house, we should first talk about interior decoration and how to deal with all furniture and appliances.

……

Indeed, in the process of buying second-hand houses, we need to pay attention to such problems.

After all, the amount involved in the house is particularly large, and it is not easy to make money as a buyer. We must pay attention to it. Don't wait for the risk of contract disputes to appear before you regret that you have not controlled it well.

Third, summary.

Generally speaking, the real estate market is divided into primary housing market and second-hand housing market, and the second-hand housing market is more complicated.

In the process of buying second-hand houses, we should not only control the lot, but also control the surrounding facilities.

After all, most of the second-hand houses in big cities have been built, and many owners have used them for several years. The surrounding facilities are not updated much, so it is possible to choose those areas with better facilities and higher maturity as far as possible.

After all, the areas where a large number of second-hand houses are concentrated are not those new areas, and many new plans have not yet started construction, so we can look forward to it.

At the same time, protecting the location value of second-hand houses is to make your life more convenient and work more efficiently.

I am an old driver of Chongqing property market @ Chongqing Real Estate Vision. I have more than ten years of real estate investment experience. Familiar with the real estate value, housing loan policy and housing purchase knowledge in various districts of Chongqing. Often share the first-line dynamics of Chongqing property market. Let's communicate and grow together!

In the second-hand housing transaction, there are often transaction risks, from spending time and energy to dealing with these problems, to money and housing may be hollowed out.

Some netizens here asked, it has been transferred, and the buyer's down payment is directly transferred to the owner. Is there any risk? According to my understanding, here is a brief analysis.

The property right has been transferred and there is no risk for the buyer. As this netizen said here, the property right has been transferred and the real estate registration center has given the receipt to the buyer. After a week, you will get a new property right certificate. For the buyer, there is no risk, and the down payment will of course be paid to the owner.

The receipt here is the title certificate presented to you by the title certificate, which is legal and effective, equivalent to the title certificate to a certain extent, but it takes some time to make a new title certificate after the transfer, so the title certificate is replaced by a receipt.

The property right has been owned by the buyer, and the transaction risk of the buyer is greatly reduced. If the down payment is made to the owner, there will be no risk. Besides, you just paid the down payment, haven't applied for a mortgage, and there are 70% of the house price. What are the risks you are worried about?

Under what circumstances are money and houses empty? This netizen is very worried about the problem of money and empty house. There has been a property right transaction here, and the house has been bought by the buyer. The buyer only pays 30% of the house price to the owner, and there is still a lot of house price that has not been paid to the owner. More risks were transferred to the owners.

If you pay the money and haven't got the house, this situation will have both money and the house.

In the second-hand housing transaction, what will happen if the money and the house are empty?

(1), seizure of real estate. If the purchased property itself is sealed up by the court, and you have signed a sales contract and paid a certain amount of money, then this situation may be that the money is empty and the house is empty.

The house seized by the court is different. If the house is foreclosed by the bank, the bank will cancel the charges after the money is returned, and the transaction can only be carried out after the court unseals it.

However, some houses can't be unsealed, such as corrupt and bribery property, illegally acquired property and so on. If this can't be unsealed, the house payment will be paid, and the money and house will be empty.

If the house is seized by the court, the intermediary company will not recommend it to the buyer. This sealed house can't be transferred, and the intermediary can't get the commission after it is busy, which is not worth the candle. Of course, it will not be recommended to buyers.

The seized house has money and vacant rooms, which are often privately traded by buyers and sellers. On the one hand, the price of the house sealed up by the court is relatively cheap, and buyers will be moved when they see such a cheap house; On the other hand, the buyer didn't understand that no one controlled the risk, and finally the money and the house were empty.

(2) The owner breaches the contract. Some owners sign sales contracts with buyers. After the buyers pay the house price, the owners take the money to do other things and cannot transfer the ownership. At this time, the owner defaults, and the buyer may have both money and housing.

In this case, the buyer will bring a lawsuit to the court, and the owner himself has already taken the money to do other things. It may be that the house is still mortgaged in the bank and cannot be redeemed, resulting in the inability to transfer the property rights and repay the house payment. Buyers will face both money and houses.

If the transaction is through an intermediary, then the intermediary will ask the buyer to cooperate to control the transaction risk. If it is a mortgage, when will the down payment be paid? If it is a full transaction, when is the most appropriate and safest time to pay the house?

From the above analysis,

The property right has been transferred and the buyer has obtained the property right receipt. At this time, the property right is already the buyer's, and there will be no money and no house.

At this time, the risk should be the owner. The property right has been transferred, and the owner only receives the down payment for the house. It is uncertain when most of the final payment will arrive, so the owner will have great transaction risk.

Of course, this is also my personal opinion, for reference only. Welcome everyone to leave a message on this issue below, express their views and opinions, and exchange and learn from each other.

Buying a house is definitely safe, because it is already in your name and has nothing to do with the original owner. On the other hand, it is very risky for the original owner. Although the original owner got the down payment, the rest of the house payment had to wait for the bank to lend money. Whether the bank can lend money depends on whether you get a new property right certificate. Without mortgage, the bank will not lend money. If you have problems with the loan qualification during this period, the bank will not lend money. Who do you think is at greater risk? Therefore, most homeowners require to receive the final payment before handing over the house.

This is a normal way of operation, don't worry, worry is also the seller's worry that your mortgage has not been put down.

The house has been settled in the Housing Authority, and it is already in your name. If the down payment is not paid to the seller, who will be responsible for the seller's protection? The seller should be worried, not you. The seller has to wait for the final payment of your bank mortgage. If the bank refuses to lend money or your personal behavior causes the bank to refuse to lend money, the seller is also at great risk.

What you are worried about is that you didn't get the real estate license and didn't accept the house. Let me analyze it for you. In the housing authority system, this house is already in your name. At this time, no one can cancel the original owner casually (unless there is a court decision to change it back). The other didn't take over the house. It depends on when the house is delivered in your sales contract. If it's over, you can take legal proceedings to let the other party compensate you for your losses.

Now the sales contract is perfect and it is easy to go through legal procedures, so all the problems you are worried about are unnecessary.

I think it's safer this way!

Transfer! This is the most important link in the regular second-hand housing sale!

To get to this point, there are still many formalities to be done at the front end.

First: tax payment certificate. (i.e. paying deed tax and individual tax)

Second: check the file. See if the house is sealed up or mortgaged. )

Third: question questionnaire? See if there is any dispute over the land of this house. When he issued the certificate, some houses were attached with books, so there is no need to fight any more. )

The above three links have been completed, and your transfer application is only accepted at the window of the Housing Authority. The transfer application form shall be signed by the buyer and the seller with identity documents in front of the staff of the Housing Authority. It is also required to take photos and input them into the computer for archiving. After the whole process is completed, the Housing Authority will give the buyer a receipt. With this receipt, the transfer will be successful, and it is estimated that a new real estate license will be issued in a week or so.

Do you still feel unsafe to transfer the down payment to the seller at this time?

Usually, after the second-hand house is delivered, it is safe for the buyer to transfer the down payment directly to the owner, which is also a common operation mode in the sale of second-hand houses.

The only uncertainty is whether the house will be seized by the court. In case of seizure, there will be wrangling.

Of course, the most correct way is that before the transfer, buyers and sellers should supervise the down payment in the Housing Authority. The supervision of funds can play a very good supervisory role. Buyers don't have to worry about the interruption of the transfer due to the seller's problems during the transfer process, and the seller doesn't have to worry about not getting the down payment after the transfer.

Many people, including some intermediary practitioners, feel that fund supervision is a troublesome thing, so they are unwilling to do the process of fund supervision and skip this procedure directly. In fact, such an operation will increase the transaction risk, especially the problem of seizure.

Therefore, the first thing to do in the transfer of second-hand houses is fund supervision! Then go through other transfer procedures!