After the transfer of second-hand housing transaction, the buyer takes the property certificate to mortgage the loan, and the buyer generally transfers the loan to the seller on the spot after the bank loans. The transaction process of second-hand housing is as follows:
1. The Buyer and the Seller shall register relevant procedures with the selected intermediary company and pay the deposit. The contract is the prerequisite.
2. After the previous procedures are completed, the intermediary company begins to go to the relevant bank for loan procedures for the buyer. The loan application time is quite strict. Most of the time is half a month. Of course, each region is different. Finally, after the approval of the bank, the transfer procedures will be started after the release is approved.
3. According to the property right transfer registration requirements, the buyer and the seller should prepare the specified materials for the transfer at the property right registration center.
4. The person of the intermediary company takes both the buyer and the seller and relevant materials to the local tax bureau for tax verification and payment procedures, and the local tax bureau issues a tax receipt.
5. Then return to the transaction center, submit deed tax, business tax receipts and all certificates required for the transfer of ownership by both parties, fill in the House Ownership Transfer Registration Application, receive the acceptance notice, and supplement the house stamp tax.
6. There are basically no problems in this waiting time. You can learn about some expenses, such as water, electricity, gas, cable TV, etc., and conduct final inspection on furniture, etc.
7. After 20 working days (the time may be different in each region), a special person will notify and go to the trading center to get the property certificate. At this time, the bank will also issue a notice, and the buyer is ready to start housing supply.
