The house bought by the loan is sold, and the loan needs to be transferred together. The loan transfer is called "re-mortgage".

The process of remortgage:

1. The buyer and the seller sign a house sales contract;

2. The buyer and the seller sign a security guarantee contract for the sub-mortgage transaction with the law firm;

3. The buyer pays down 30% of the house price (according to the principle of lower transaction price and evaluation price, the evaluation is exempted within one year, subject to the original purchase price);

4. Letter of confirmation that the seller's loan bank agrees in writing to make a one-time prepayment (including the principal and interest of the funds owed and the repayment account number);

5. The buyer applies to the loan bank for second-hand housing mortgage loan according to the above documents and personal credit documents (loan application, lawyer's preliminary examination and bank review);

6. The seller actually delivers the house to the buyer;

7. Lend money after bank review and transfer it to the seller's bank;

8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages it to the buyer's loan bank;

9. The buyer's loan bank will pay 30% of the down payment to the seller.

Second, how to handle the transfer procedures of the loan house?

You can apply for a personal credit loan according to the lender's monthly payment.

Personal credit loan application conditions:

1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. Other conditions stipulated by the bank.

The process of formal banking business is as follows:

First of all, the borrower needs to submit a series of materials to the bank except the ID card, including

(1) loan application approval form;

(2) proof of residential address;

(3) proof of occupation and income; And other information required by the bank.

Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.

Finally, the bank issues loans to borrowers through transfer.

note:

Restrictive factors in applying for unsecured credit loans:

1. Personal work and income: Banks will be more inclined to groups with stable income when examining the qualifications of loan applicants. Therefore, if the borrower can provide a bank payroll for more than half a year, it will be more helpful for the smooth handling of credit loans.

2. Personal fixed assets: owning fixed assets such as personal real estate or cars shows that individuals have a certain economic foundation and a certain repayment ability, and generally get a higher credit rating.

3. Personal credit record: Personal credit record is an important factor for banks to rate borrowers' credit. The bank will consider the borrower's loan record and credit card usage, including whether the loan is repaid in full and on time.

Third, how to transfer the loan house to someone else's name?

The method of transferring the loan house to others is as follows:

1. Repay the loan in advance, obtain the property right certificate after the mortgage registration is cancelled in the bank, and then both parties go to the real estate registration department to handle the transfer;

2. If you can't pay off the loan in advance in one lump sum, you can disappear and negotiate with the loan bank to change the lender and re-sign the loan contract. The operation process is more troublesome, because the bank has a loan repayment wind.

Considering the risk and workload, they usually don't cooperate.

Mortgaged house refers to the commercial house purchased by the last family through mortgage and the loan has not been paid off. The main feature of a mortgaged house is that the property right of the house is mortgaged to the bank, and the property owner may not sell the house without authorization. The transaction process of mortgage house is more complicated than that of ordinary property house. There are usually two modes of operation: remortgage transaction and non-remortgage transaction. The key to risk prevention is to sign a standardized contract.

Regulations on the Administration of Urban Real Estate Transfer

Article 7

The transfer of real estate shall be handled in accordance with the following procedures:

(a) the parties to the real estate transfer signed a written transfer contract;

(two) the parties to the real estate transfer shall, within 90 days after the signing of the real estate transfer contract, declare the transaction price to the real estate management department where the real estate is located with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents;

(three) the real estate management department to review the relevant documents provided, and make a written reply whether or not to accept within 7 days, 7 days without a written reply, as agreed to accept;

(four) the real estate management department to verify the declared transaction price, and according to the need to conduct on-the-spot investigation and evaluation of the transferred real estate;

(five) the parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the provisions;

(six) the real estate management department shall go through the formalities of housing ownership registration and issue the certificate of real estate ownership.

Fourth, how to transfer the loan house?

1, first of all, the loan is converted into mortgage, that is, the loan of the original landlord is converted into the loan of the purchaser and then paid to the original landlord. Only after the approval of the bank can the transfer procedures be handled; 2. If you can't handle the mortgage transfer procedures, you should return the bank loan of the original landlord to him for down payment, and negotiate with him to make sure that the original landlord gets the property certificate; 3. In the process of handling the above procedures, you need to provide the materials for handling bank mortgage loans and apply for mortgage loans in the bank. After the bank approves your loan application, you can go through the transfer formalities. After the property right certificate is registered in your name and other rights of the property right certificate are registered, the bank can lend to the original landlord with complete procedures. The procedure is complicated, and Jianjie will handle the above procedures, which will save you worry and effort.