How long does it take to get the final payment after the transfer, and how long does it take for the

If the full payment is a full transaction, when the buyer gets the new house title certificate, both parties can go to the bank to unfreeze the seller's account and get the final payment. If the buyer is taking out a loan to buy a house, the seller will be able to get the balance payment to sell after the house is transferred. However, the time to receive the final payment depends on the form of the buyer's loan, and the time to receive the final payment is different for different loan forms.

According to the market classification, there are five types of loans: commercial loans, municipal provident fund loans, state-owned provident fund loans, and municipal portfolio loans and state-managed portfolio loans. 1. Statute of limitations for commercial loans:

Generally, it is 15 working days after the real estate certificate is issued; 2. Municipal provident fund loan: 10-15 working days for the issuance of the real estate certificate (the time for issuing the real estate certificate is different in each urban area); 3. State-managed provident fund loan: 7-10 working days after the issuance of the real estate certificate, sign the loan contract, and release the loan within 7-10 working days after signing; 4. Municipal portfolio loans:

The general statute of limitations starts from the first trial, the buyer and the seller themselves and their spouses are cooperative, the documents provided meet the requirements of the provident fund and commercial loans, everything goes well, the seller closes the balance in about 4 months, and the national holidays are postponed, and the property with the land certificate is generally added two more months at this time; 5. State-managed portfolio loan: Generally, the final payment is received about 2 months after the completion of the account (in the case of no land certificate). In short, if it is a full transaction, the seller will get the balance payment earlier; If the buyer buys the house with a portfolio loan, the seller generally takes longer to get the final payment.

The buyer can get the balance on the day when he gets the real estate certificate, and you have to go with the buyer and handle it on the spot.

Different forms of loans, the time to receive the final payment is different, as follows:

Statute of limitations for commercial loans: 15 working days after the issuance of the real estate certificate;

Municipal provident fund loan: 10-15 working days for the issuance of the real estate certificate (the time for issuing the real estate certificate is different in each urban area);

State-managed provident fund loan: 7-10 working days after the issuance of the real estate certificate, sign the loan contract, and release the loan within 7-10 working days after signing;

Municipal portfolio loan: the statute of limitations starts from the preliminary examination, the buyer and the seller themselves and their spouses, the documents provided meet the requirements of the provident fund and commercial loans, everything goes well, the seller closes the balance in about 4 months, and the national holidays are postponed, and the property with the land certificate is generally added two more months at this time;

State-managed portfolio loan: The final payment will be received about 2 months after the completion of the account (in the case of no land certificate).

Loan considerations.

1. Loan amount:

When applying for a loan, the amount applied for should not be too high, and the larger the loan amount, the higher the probability of rejection. At the same time, borrowers should also apply for the loan amount based on their own repayment ability to avoid financial pressure caused by too high monthly payments.

2. Loan information:

The borrower must ensure that the information he provides to the lending institution is true and complete, and the lending institution will directly reject the loan if it is found to be suspected of fraud.

After the transfer of ownership of the house, it is also necessary for the bank and the new owner to go through the mortgage registration, and after the mortgage is registered, the bank will receive other warrants and then arrange for the loan to be issued. This time depends on the time of mortgage registration of the local housing authority and the time of the bank's internal loan process, which is generally half a month to a month after the transfer.

Immediately, it's all yours, don't give the money immediately.

1. Statute of limitations for commercial loans: generally 15 working days after the issuance of the real estate certificate.

2. Municipal provident fund loan: 10-15 working days for the issuance of the real estate certificate (the time for issuing the real estate certificate is different in each urban area);

3. State-managed provident fund loan: 7-10 working days after the issuance of the real estate certificate, sign the loan contract, and release the loan within 7-10 working days after signing;

4. Municipal portfolio loan: the general statute of limitations starts from the preliminary examination, the buyer and the seller themselves and their spouses cooperate, and the documents provided meet the requirements of the provident fund and commercial loan, everything goes smoothly, and the seller closes the balance in about 4 monthsIn the event of a national holiday postponed, the property with a land certificate is generally added two more months to the statute of limitations.

5. State-managed portfolio loan: Generally, the final payment is received about 2 months after the completion of the account (in the case of no land certificate).

Precautions for second-hand housing transactions.

For the buyer of the loan, after signing the house sale contract with the seller, the buyer and the seller will go through the loan procedures with the loan bank, and the bank will review the buyer's credit information, evaluate the house that both parties want to trade, so as to determine the buyer's loan amount, and then approve the buyer's loan.

The buyer and the seller jointly to the real estate transaction management department or the bank, the remaining balance to the designated supervision account, after the transfer of the real estate funds unfrozen, if it is an advance, the intermediary three parties need to jointly come forward to solve the financial problem.

The above content refers to People's Daily Online - The payment method should be filled in carefully in the second-hand housing sales contract.

It mainly depends on what kind of loan method your buyer chooses, the timeliness of provident fund loan is relatively stable, generally 10-15 working days after the transfer; If it is a commercial loan, then it depends on the mortgage registration time of the construction committee in the region, the general mortgage registration time varies according to the time limit of the construction committee, Chaoyang currently has a long mortgage registration time, and the mortgage is generally released in 7-10 days after the mortgage registration.

If the transfer refers to the following delivery procedures, the new title certificate can be obtained within 10 working days at the earliest. The tax can be paid within seven working days after the submission of the documents, the tax can be paid and transferred on the same day, and the new certificate can be obtained three working days after the tax payment and transfer. Basic procedures for the transfer of ownership of second-hand housing:

Sign the sales contract, deliver the documents, pay the tax, pay the tax and transfer the account, and obtain the certificate.

After the transfer of the house, the seller of the full payment transaction generally gets the final payment within 15 working days after the transfer, and the seller of the installment loan transaction can get the final payment within the time limit agreed in the contract, and the time for the loan to supervise the funds is 22 working days after the transfer.

[Legal basis].Article 628 of the Civil Code.

The buyer shall pay the price at the agreed time. If there is no agreement on the time of payment or the agreement is not clear, and it cannot be determined in accordance with the provisions of Article 510 of this Law, the buyer shall pay at the same time as receiving the subject matter or extracting the documents of the subject matter.

Article 675.

The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return the loan within a reasonable period of time.

Generally, the transfer can be done within 15 working days. Balance payment is a Chinese term that refers to a smaller amount of money that is not settled at the time of settling accounts; Refers to an expense other than the deposit paid.

or the amount paid upfront and the remaining part not paid.

Property Closing Process:

1. Real estate certificate.

If the transfer does not go through a real estate agent, the terms of the contract and the terms of breach of contract must be clearly written, and the party named on the seller's real estate certificate must be present at the same time (if married, both husband and wife need to be present and signed, even if there is only one person's name on the real estate certificate).

2. After the application materials are ready, you must go to the real estate bureau and fill in some ** and a stock contract, and the amount on the stock contract must be the same as the amount on the signed contract.

3. After the application materials for the transfer of real estate are handed over to the Real Estate Bureau, the Real Estate Bureau will give a receipt.

It generally takes about 15 working days to pay the tax according to the date stated on the receipt form.

4. After the real estate transfer tax is paid, you can get the real estate certificate.

Second-hand housing is the first transfer and then pay the final payment, which is different depending on whether the full payment or the loan is used, the full payment is adopted, and the buyer pays the seller directly in cash or by transfer after the transfer; If you need a loan, you need to apply for a commercial loan or provident fund loan, or a portfolio loan after signing the "Housing Sales Contract", and after the transfer is completed, the bank will transfer the money to the seller's account with the deed tax invoice or house ownership certificate.

In the process of buying and selling second-hand houses, whether it is the first transfer or the first payment, it is actually necessary to sign a contract with legal effect, and then both parties determine which way is better according to the contract. If the contract is signed, then both parties do not have to worry about their losses, because according to the provisions of our country's Civil Code on contracts, once the contract is signed and takes effect, the two parties can agree to supplement, if there is no supplement, it must be executed in accordance with the above. Therefore, what was written in the original contract should be performed in strict accordance with the contract.

How long does it take to not pay the balance of the second-hand house to be considered a default?

1. The time limit agreed in the contract.

Generally, when signing the purchase contract, it will be negotiated in advance to agree on the total amount of the house payment, the payment method of the house payment, and the payment time of the down payment and the final payment. Therefore, the latest payment time for the balance of the second-hand house is subject to the agreed time in the contract.

2. The date of issuance of the real estate certificate is limited.

It is also possible to limit the date of issuance of the title deed, if the balance has not been settled before the title deed is issued. The seller can go to the real estate transaction center to stop the sale process and directly cancel the transaction.

3. Investigate the liability for breach of contract.

If the time agreed in the contract has passed, or the title deed has been issued, the buyer still has not paid the final payment. Then, in accordance with the contract, the buyer can be held liable for breach of contract.

If the buyer takes out a loan to buy the house, the seller will have to wait until after the closing of the house to get the final payment. However, the time for the seller to receive the final payment should be determined according to the form of the buyer's loan, and the time of receiving the final payment is different for different loan forms.

In general, there are five types of loans: commercial loans, municipal provident fund loans, state-owned provident fund loans, and municipal portfolio loans and state-managed portfolio loans.

1. Statute of limitations for commercial loans: generally 15 working days after the completion of the real estate certificate.

Second, the municipal provident fund loan: 10-15 working days after the completion of the real estate certificate (the time for issuing the real estate certificate is different in each region).

To sum up, we can know that if the buyer is a full transaction, the final payment will be obtained earlier, and if the seller is a loan, it will generally take longer. The seller needs to find the buyer for an inquiry or both parties to the bank to consult to prevent accidents.

Legal analysis: If the transfer has been completed and the property delivery procedures have been completed at the same time, and the other party does not pay the final payment, it can claim the final payment through litigation.

Legal basis: Article 14 of the Interim Regulations on the Registration of Immovable Property Article 14 Where an application for registration of immovable property is made for sale, creation of mortgages, etc., both parties shall jointly apply for it.

In any of the following circumstances, the parties may apply unilaterally:

1) The immovable property that has not yet been registered is applied for registration for the first time;

2) Inheritance or acceptance of bequests to acquire immovable property rights;

3) The establishment, modification, transfer, or extinction of immovable property rights in effective legal documents of the people's courts or arbitration commissions, or effective decisions of the people's courts;

4) The name or title of the right holder or the natural situation changes, and the application for modification of registration is made;

5) The immovable property is lost or the right holder gives up the rights of the immovable property and applies for cancellation of registration;

6) Applying for correction of registration or objection to registration;

7) Other circumstances where laws or administrative regulations provide that a unilateral application may be made by the parties.

Civil Procedure Law of the People's Republic of China》 Article 3: The provisions of this Law apply to people's courts accepting civil lawsuits brought by citizens, legal persons, and other organizations, as well as between them on the basis of property and personal relationships. Decide.