Second-hand housing renaming process? Matters needing attention in the transfer of second-hand houses?

Because there are many second-hand houses on the market now, and because young people will have great pressure to buy a house, many people will choose second-hand houses. Now there are many second-hand houses on the market, so the competition pressure is also great, but in the process of buying second-hand houses, they need to be renamed. Let's talk about the process of renaming second-hand houses. What are the precautions for second-hand housing transfer? I hope you can have a look.

Second-hand house renaming process

After detailed discussion, the buyer and the seller reach an understanding of the location, property rights, room type and transaction price of the house to be sold, and then they can sign a formal real estate sales contract according to their respective conditions. Then submit the documents and materials together with the sales contract to the housing transaction management department for the transfer of the title deed.

1. Both parties go to the transaction management department with the sales contract and relevant documents to handle the transfer formalities of the deed certificate. The seller shall submit the house ownership certificate or confirmation certificate; Identity card or other valid identification; Written opinions on the ownership of houses and the sale of other houses; The written decision of the transaction management department to approve the listing and sale. The buyer must submit the identity card or other valid identification certificate of this city; Individuals from other provinces and cities also need to submit proof of purchase approved by relevant departments.

2. The transaction management department shall complete the audit within 25 working days from the date of acceptance (if the declared transaction price is significantly lower than the normal market price level at that time, including the evaluation by using two or more evaluation methods), and collect customs duties and fees in accordance with the relevant provisions, and handle the formalities for the transfer of title deed.

Matters needing attention in second-hand housing transfer

1, the time required for handling the property transfer formalities.

After the transfer, the property is registered in the buyer's name, but it will take some time to get the real estate license. This time period is usually around 7 working days according to different institutions. Some houses need to go to the Municipal Construction Committee to apply for land certificates, so it takes about 40 days to complete them.

If I can't attend the transfer procedure, I can entrust someone else to handle it.

If the buyer and the seller are unable to attend the property transfer formalities for some reason, the law stipulates that they may entrust others to handle it on their behalf. If the seller entrusts others to handle it, it must provide a power of attorney notarized by a notary office. The buyer can hand-write the power of attorney, indicating the authorization authority and time, without notarization.

3. What should I do if I go through the transfer formalities in the Construction Committee, but I can't get the real estate license?

Under very special circumstances, the buyer and the seller have gone through the formalities of real estate transfer in the Construction Committee normally, but the buyer can't get the real estate license within the specified time. At this time, the buyer must be highly vigilant and should immediately ask the issuing authority about the situation.

If it is because the issuing authority needs to improve the procedures to modify the data and delay the issuance of certificates for a period of time, the buyer can rest assured to wait. If it is a false transaction and it is impossible to apply for a real estate license, judicial measures should be taken immediately to effectively safeguard their legitimate interests. In fact, the vast majority of delays in issuing certificates are due to the need for the Construction Committee to improve procedures and modify data. It is extremely rare that you can't get the real estate license after going through the transfer formalities.

4. After the property is transferred, the bank will lend money without the buyer's authorization.

Pay the house price by loan, and the bank will release the money after the property is transferred. In this way, it is possible that once the transfer is completed, the bank refuses to lend money for some reason, and the homeowner will face the embarrassing situation that the empty house has no money.

In fact, this situation will not happen, because after the transfer of real estate, the bank can directly transfer the house payment into the owner's account without the buyer's signature authorization, and the bank plays a guarantee role here to protect the interests of buyers and sellers.

There are two modes of bank lending: one is to lend money according to the transfer information (deed tax payment certificate, notice of obtaining real estate license); The second is to lend money on the basis of mortgage materials (other rights certificates). The second mode is faster and more convenient, but it can only be operated if the guarantee institution provides guarantee.

5, policy housing such as affordable housing and housing reform room delivery room matters needing attention.

There are some restrictive provisions in the transfer procedures for affordable housing, housing reform housing and other policy housing, and it is impossible to go through the transfer procedures without meeting the prescribed conditions. Buyers and sellers need to communicate the situation in advance, effectively eliminate the transfer obstacles, and prevent all procedures from being completed before the transfer cannot be handled, which will bring huge losses to both parties.

That's all about the process of renaming second-hand houses. When we buy a second-hand house, we have to change our name and then transfer the ownership. After the transfer is completed, this house is really our own, but there will be many precautions when transferring. This article also gives you a detailed introduction, hoping to bring you help.