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Can I transfer the house if I owe the bank credit card money?
generally speaking, yes.

Process of second-hand housing transaction transfer:

First, sign a real estate sales contract (which can be bought at the local real estate trading center), and specify the agreement of both parties in the contract, such as how to pay, and how to pay in several installments. Generally, after signing the sales contract, give him 3% down payment, then go to the real estate trading center for transfer, and pay 6% on the day of transfer, and give the last 1% after obtaining the property certificate.

the transfer procedure is not complicated, as long as both parties' original ID cards and photocopies, household registration books, marriage certificates, tax payment vouchers, contracts and real estate licenses are available, the transfer can be made. Note that both parties must be present, and if they want to sign, if one party doesn't go, they will go to the notary office for entrustment.

One-time payment means that the time is one month faster than the loan, and there is no difference in other things. The total time is that you can transfer the ownership on the day you sign the contract (bring all the information), get a new property certificate 2 working days after the transfer, and then hand over the water and electricity fees.