How do mortgage shops handle transfer procedures?

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Strictly speaking, the house that is repaying the mortgage cannot be transferred, but there are several solutions for your reference, because any policy problem has its circuitous solution;

For the monthly house, you can pay off the remaining loan amount first, so that the property rights can return to normal and you can buy and sell freely;

How to pay the rest of the monthly payment? Judging from your situation, you don't have this part of the funds, or you have funds from other places, so you will think of some more direct ways to solve this thorny problem, right?

There are two feasible schemes, and I'll talk about their advantages and disadvantages by the way.

Discuss with the buyer first, pay the down payment first, repay the loan with the down payment, then decompress the house, and then go through the transfer procedures;

It depends on how the other party buys a house, whether it is full or loan. The most important point is whether the buyer is willing to accept such risks. Theoretically, if the buyer takes out the money, the risk is the greatest, because the risk of human nature is unpredictable;

If it is a loan, it is necessary to evaluate the value of the house first, and then let the buyer approve the loan first. After the loan is approved, the result of the sale can be determined. Otherwise, there will be many blind spots, and there will be the fact that the other party will default and default on its own.

This requires the result of consultation with the other party. More importantly, everyone's unpredictable results should be written in the agreement and contract, so as to ensure that they can get away with it in the face of irresistible facts.

The second is to find a good buyer and let the buyer approve the loan. After approval, you are doing bridge loan. The house is released, and after the transaction is completed, the loan is returned to the other party. The key here is bridge loan. How to play like this?

This is usually done by an intermediary or a guarantee company, which is nothing more than spending some money. This problem is not particularly simple.

Some companies specialize in making this money. The price is negotiated by yourself. It varies from place to place;

Third, the consequences of breach of contract are unimaginable;

If the seller defaults, the house may be frozen and cannot be bought or sold. If you are in urgent need of funds, you must not default;

If the buyer defaults, you can withhold the deposit. This also requires some legal evidence. You can't directly violate the contract. The real breaching seller may suffer more losses, and the law sometimes protects the rights and interests of the buyer;

Fourth, the transfer cost of commercial housing is relatively high, accounting for about 10% of the total transfer cost. If there are value-added parts, there are value-added tax, land value-added tax and so on. So we should discuss who will bear the transfer fee.

Business and residence are not necessary. Housing is a seller's market, and commercial housing is a completely free market. There's nothing urgent. Taxes need to be negotiated. The fairest way is to pay taxes yourself. In this case, the seller's taxes and fees may be high. Do you accept them?

If there is a problem with the sale of real estate, you can always find a happy home;

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Related Q&A: Unmarried women have housing loans under their names. Can I refinance if I buy a shop again? Shops are not within the scope of purchase restriction, and there is no policy restriction on loans. You can apply for a loan, and whether to approve the loan depends mainly on the bank's evaluation of your comprehensive financial resources and credit.