Changsha Shangcheng constellation second-hand housing _ Changsha Shangcheng constellation second-hand housing price

Changsha second-hand housing transfer with mortgage is introduced as follows.

In order to further deepen the reform of "simplifying administration and decentralizing power, strengthening supervision and improving services" and optimize the business process of real estate registration related to "mortgage" of second-hand houses. In view of the fact that the transferor has not paid off the loan and cancelled the mortgage registration, but needs to handle the transfer, by implementing the combined registration business model of "transfer registration+mortgage change registration+mortgage cancellation registration", the transferor and transferee can apply to financial institutions such as banks to handle the transfer registration of second-hand houses safely and efficiently without paying off the original loan in advance.

What is the specific process of "mortgage transfer" and "mortgage exchange" for second-hand houses in Changsha?

(a) "mortgage transfer" business (involving capital transactions)

One-time payment for house purchase (the down payment exceeds the original amount owed by the seller): it is applicable to the mode of "transfer registration+mortgage change registration+mortgage cancellation registration".

The situation of the buyer's loan purchase: it is applicable to the mode of "transfer registration+mortgage change registration+mortgage establishment registration+mortgage cancellation registration" (that is, the mode of "sequential mortgage") or the mode of "second-hand house" with double notification+mortgage cancellation registration+double notification (that is, the mode of double notification).

The specific process is as follows:

1. Sign the contract. The buyer and seller reached a transaction intention and signed a second-hand house sales contract. If a homebuyer needs a loan to buy a house, he will apply for a loan from a financial institution such as a bank. The buyer and the seller and financial institutions such as loan banks of both parties (financial institutions such as one-time payment without buyer's loan banks) handle deposit procedures at selected deposit institutions (such as notary offices, banks and other financial institutions) to supervise the buyer's purchase price. The Buyer shall deposit the down payment of house purchase into the escrow account agreed by both parties in the escrow agreement.

2. Online real estate registration. For one-time payment of the house purchase price, financial institutions such as the loan bank of the buyer and the seller jointly apply for the combined business of "transfer registration+mortgage change registration+mortgage cancellation registration"; If the buyer needs a loan to purchase a house, after the loan applied by the buyer to the bank and other financial institutions is approved, the buyer and the seller jointly apply for the combined business of "sequential mortgage" mode or "double advance notice" mode with the financial institutions such as the loan banks of both parties.

3. The real estate registration department handles the registration and sends the real estate registration certificate to financial institutions such as banks. According to the business application, the real estate registration department examines the relevant materials submitted by it. After the examination and approval, it merges the relevant registration items, records them in the real estate register, and pushes the real estate registration certificate to the corresponding loan banks and other financial institutions.

4. Loans from banks and other financial institutions (loan situation). If the buyer applies for a loan to purchase a house, the bank and other financial institutions will lend the full amount according to the real estate registration certificate issued by the real estate registration department and deposit it directly into the escrow account agreed by the buyer and the seller in the escrow agreement for supervision.

5. Depository institutions settle loans. The custodian institution repays the loan principal and interest of the seller's bank and other financial institutions with part of the funds in the custody account, and settles the loan.

6. Apply for cancellation of registration of real estate mortgage online. Financial institutions such as the seller's loan bank initiate the mortgage cancellation registration application online, and the real estate registration department handles the mortgage cancellation registration business online. After the online review of mortgage cancellation registration of "sequential mortgage" mode combined business, the mortgage of financial institutions such as the buyer's loan bank has been upgraded from the second sequential mortgage to the first mortgage; In the combined business of "double advance notice" mode, the "double advance notice" transfer registration will be triggered automatically after the mortgage cancellation registration is approved and registered online.

7. Depository institutions pay the balance. After the mortgage cancellation registration or "double notice" transfer registration is completed, the depository institution will transfer the remaining funds in the custody account to the accounts of financial institutions such as banks designated by the seller.

(two) "secured transfer" business (not involving capital transactions)

Because of the "transfer by mortgage" situations such as husband and wife agreement, divorce, gift, inheritance and bequest that do not involve capital transactions, it is suitable for the combined business of "transfer registration+mortgage change registration" mode. The specific process is as follows:

1. Financial institutions such as banks that transfer loans from both parties jointly apply for the combined business of "transfer registration+mortgage change registration" with the transferor.

2. According to the business application, the real estate registration agency will review the relevant materials submitted by it. After the approval, it will merge the relevant registration items, record them in the real estate register, and push a new real estate registration certificate to financial institutions such as banks.