If you buy a second-hand loan, you have to go through a bank review before the buyer can get a loan. When you have the loan confirmation (that is, the seller's loan has been approved by the bank and can be lent), you can handle the real estate sale and transfer! The seller can let the bank lend the loan money directly to the seller's account! If you don't understand, it is recommended to operate through real estate agents, who often operate and are familiar with the process! Can save a lot of trouble!

Handle in person:

How to go through the formalities?

Answer: 1. Sign a sales contract.

After the buyers and sellers of real estate reach a * * understanding of the location, property rights and transaction price of the real estate through contact and consultation, the buyers and sellers sign a formal real estate sales contract.

2. The buyer and the seller pay the down payment and apply for a loan from the bank, which will review and issue a loan confirmation letter.

3. Accept the inspection of the real estate transaction management department.

After both parties to the real estate transaction go through the application formalities at the real estate transaction management department where the real estate is located, the management department shall examine the relevant documents, review the property rights, conduct the necessary on-site investigation, and the appraiser shall evaluate the traded real estate.

4. Make a contract to transfer ownership and pay taxes.

After the real estate transaction management department reports to the relevant person-in-charge for approval according to the nature of property rights and the object of purchase, the agent notifies the buyer and the seller to go through the formalities of signing the deed. The buyer and the seller shall sign and seal the contract and submit it to the real estate transaction management department.

Pay handling fees and related taxes.

5. Go through the formalities of property right transfer.

After the house buyers and sellers go through the transfer formalities through the real estate exchange, the buyer should hold the real estate sales contract issued by the real estate exchange and go to the real estate property management department where the house is located to register the transfer of house property rights and land use rights in exchange for a new real estate license.

Materials to be submitted for transfer:

1, original house ownership certificate;

2. Identity cards of both parties (original and photocopy)

3. Housing sales contract

4, private bungalows should provide housing safety appraisal report;

5, entrust others to handle the registration of property rights shall submit a notarial certificate and the

Copy of the trustee's ID card (original verification)

6. Bank loan contract