I bought a house and didn t pay it over, but I still have to pay off the loan. How do I transfer my

1: If you don't pay that tax when you buy a house, you will definitely have to pay it; 2: Yes; 3：

In a year or so, there is also the possibility of getting it a little faster, and if you have a large property right, you can also do it yourself is to spend a little more money; 4: According to the normal tax calculation, the specific amount should be calculated according to your side; 5: I can only transfer the account after the mortgage, I hope it can help you.

Hello sir: 1. When handing over the house, pay the occupation fee and maintenance **, and then you can get the key; Generally, regular developers only collect deed tax when you get the real estate certificate. 2. Theoretically speaking, if you are repaying the loan now, and you have not applied for the real estate certificate, you have to wait for the real estate certificate to be transferred, but it also depends on the place and what kind of situation, many things can be artificial.

3.Handing over the house and getting the real estate certificate are two different things, and generally the real estate certificate has not been processed so quickly after handing over the house, but it also depends on the speed and ability of the developer. 4.

The transfer depends on the house there, which is based on the appraisal price, "appraisal price * total area * 11 points = transfer fee." This should be clearer to the local housing authority. If you look at the ** and area of your house, it should be about 10,000-30,000 yuan.

5.The loan can be transferred before it is paid off, but you must first redeem the title deed from the bank and then transfer it to the housing authority, which I hope will help you.

In daily life, after many Zhan people bought a house, their families were in a hurry to use money, and at this time they had to sell the house they bought. So, how to transfer the mortgage if it is not repaid? In fact, this question has always been a problem in everyone's minds, so let's explore the answer together!

1. Remortgage.

Remortgage is the easiest way to do this. In the process of buying and selling second-hand houses, give personal housing ** to a third person, and then apply for a personal housing loan, so as to change the loan term, change the loan of collateral, and change the borrower. However, many cities have suspended the business of refinancing mortgages in second-hand housing transactions, so it is best to ask the bank before adopting this method.

2. Pay off the remaining loan with the buyer's down payment.

The buyer's down payment and the outstanding loan are one of the most commonly used methods in second-hand housing transactions. Usually, this method is more suitable for cases where the original homeowner has a low loan amount or a small amount of remaining balance. It is understood that most buyers will pay 30% to 40% of the total amount of the house, so the seller can use the buyer's down payment to settle the rest of the house payment, and then revoke the mortgage registration of the house and proceed to the next step of the transaction.

3. Take advantage of bank loans.

to pay off the remaining loan.

If the buyer has a crush on you, but is not willing to buy a property with an unpaid mortgage, then you can use the bank loan method to pay off the remaining loan, but only if you have collateral approved by the bank.

Summary: The ways to transfer the mortgage without paying off are: 1. Remortgage:

Give personal housing ** to a third person, and then apply for a personal housing loan, so as to change the loan term, change the loan of collateral, and change the borrower; 2. Pay off the remaining loan with the buyer's down payment: this is the most used method in the transaction of the second ruined handhouse; 3. You can use the bank loan method to pay off the remaining loan, but the premise is that you must have collateral approved by the bank.

Can you sell the house and transfer the house if the mortgage is not paid off, and the explanation is as follows:

If the mortgage is not paid off, it is not possible to sell the house and transfer the property. The transfer of ownership can only be done after the mortgage has been paid off. Specifically, the seller can first apply to the bank for early repayment, and after paying off the arrears, take out the property right certificate and release the mortgage, and then normalize the house.

Although the unpaid mortgage is still in a state of mortgage and cannot be listed for trading, in reality, there are some ways to achieve this.

Method 1: Remortgage.

The so-called "remortgage" refers to the loan of changing the loan term, changing the borrower or changing the collateral of the personal housing loan by transferring the personal housing ** or transferring it to a third party. However, it is understood that at present, there are very few banks that can do remortgages, and some cities such as Beijing have long stopped remortgages, so this method is rarely used at present.

Method 2: Pay off the remaining loan with the buyer's down payment.

This is the most widely used model in second-hand housing transactions at present, and it is suitable for situations where the original homeowner has a low loan amount or a small amount of loan left after a large amount of repayment. Typically, the buyer will accept 30% to 40% of the total transaction value of the property for a down payment, and the seller can use the buyer's down payment to pay off the remaining loan, and then cancel the mortgage registration of the property for the next step in the transaction.

Method 3: Use the bank loan to pay off the remaining loan.

If neither of the above methods works, then the seller can consider applying for a mortgage loan from the bank with the collateral in his name (such as other properties) to settle the mortgage loan. Wait until the buyer has paid the full price of the house before paying off the bank mortgage.

If the mortgage is not paid off, it can be bought and sold in practice. At present, when buying a house with a domestic loan, the lending bank will set up a mortgage on the original house. According to the second paragraph of Article 191 of the Property Law:

During the mortgage period, the mortgagor shall not transfer the mortgaged property without the consent of the mortgagee, except for the transferee to pay off the debts on behalf of the mortgagee and extinguish the mortgage. This means that the owner of the house cannot transfer the house without the consent of the bank, unless the purchaser is willing to pay off the bank's debts on behalf of the owner. Because the property rights of the house that have not been paid off cannot be changed, the buyer cannot get the property right certificate, and the property can only be transferred after the loan is repaid.

So how do you sell oranges?

1. Take the buyer's down payment to settle the loan.

If the buyer's down payment is just enough for the remaining mortgage, then you can use the down payment to pay off the remaining mortgage, first apply for the loan settlement certificate, and then go to the real estate transaction center to go through the mortgage release registration procedures, and then carry out the sale and purchase transaction.

2. The seller pays off the loan by himself.

If we have other properties such as houses and cars in our name, it is also very convenient to use these collaterals to apply for a mortgage loan from the bank to settle the loan.

3. Find an intermediary or agency to release the mortgage, and repay the house payment after the successful transfer.

At present, there are formal guarantee companies involved in the work of real estate unmortgage, and the seller can go through the recommendation of a formal intermediary, and then choose a guarantee company to help him "unmortgage", and then repay the company after receiving the house payment, and complete the "unmortgage" process.

Summary. Dear, there are generally some taxes. Here are some of them.

If you have purchased a new home that has not yet been delivered, but you have already paid off the loan, there are several fees and taxes involved in closing:1Notarization of the contract of sale and purchase of the house.

In order to protect the interests of both the buyer and the seller of the house, notarization is generally chosen. The cost of notarization depends on factors such as different notaries and the size of the house. 2.

Conveyancing taxes. The transfer of ownership of the house needs to pay deed tax, value-added tax and other taxes. The deed tax ranges from 1-2% of the value of the house, and the specific levy standard varies from province to province and city.

VAT refers to the calculation of VAT according to the difference in the transfer of the house when the house is transferred, and the calculation formula is: (transfer**-purchase**) x tax rate (under normal circumstances, the VAT rate is. 3.

Closing fee. A series of procedures need to be carried out when the house is transferred, such as property registration procedures, house inspection, file adjustment, etc., which need to pay a certain handling fee. In general, there are many costs and taxes involved in the transfer of ownership of a house, which need to be determined according to local regulations and specific circumstances.

If you're unsure about the exact fees and taxes, it's a good idea to check with your local housing authority or authorities.

The new house has not yet been handed over, and the loan has been paid off, are there any fees for the transfer, and various taxes?

Dear, there are still some taxes like a brigade cover. Here are some of them. If you have not yet delivered your new home, but you have already paid off the loan, there are several fees and taxes involved in closing:

1.Notarization of the contract of sale and purchase of the house. In order to protect the interests of both the buyer and the seller of the house, notarization is generally chosen.

The cost of notarization depends on factors such as different notaries and the size of the house. 2.Conveyancing taxes.

The transfer of ownership of the house needs to pay deed tax, value-added tax and other taxes. The deed tax ranges from 1-2% of the value of the house, and the specific levy standard varies from province to province and city. VAT refers to the calculation of VAT according to the difference in the transfer of the house when the house is transferred, and the calculation formula is:

Transfer**-Purchase**) x tax rate (Normally, the VAT rate is. 3.Closing fee.

When the house is transferred, a series of hand-to-hand demolition ideas need to be carried out, such as property rights registration procedures, house inspection, file adjustment, etc., which need to pay a certain handling fee. In general, there are many costs and taxes involved in the transfer of ownership of a house, which need to be determined according to local regulations and specific circumstances. If you're unsure about the exact fees and taxes, it's a good idea to check with your local housing authority or authorities.

If the above taxes have been settled, there will be no such thing.

The new house has not yet been handed over, and the loan has been paid off, are there any fees for the transfer, and various taxes?

If your new home has not yet been delivered, but you have already paid off your mortgage, there may be some fees and taxes associated with the closing. Here are some of the fees and taxes that may be involved:1

Closing costs: When you close a home, you need to pay a certain amount of closing costs, which are usually negotiated between the buyer and the seller. 2.

Stamp duty: When the house is transferred, a certain percentage of stamp duty needs to be paid, and the specific proportion depends on the local policy. Generally speaking, the proportion of stamp duty is between 1% and 3%.

3.Urban Maintenance and Construction Tax: When the house is transferred, a certain percentage of the urban maintenance and construction tax needs to be paid, and the specific proportion depends on the local policy.

Generally speaking, the proportion of the urban maintenance and construction tax is between. 4.Other Expenses:

Such as property right certificate processing fee, notary fee, appraisal fee, etc. It is important to note that the above fees and taxes will vary by region, and the exact amount and percentage will depend on local policies and circumstances. It is recommended that you consult the local real estate agent or relevant departments before the transfer of ownership to understand the specific transfer process and related fees, so as to avoid delays and unnecessary troubles due to cost issues.

The new house has not yet been handed over, and the loan has been paid off, are there any fees for the transfer, and various taxes?

If your new home has not yet been delivered, but you have already paid off the loan and you want to sell the property before closing, the following fees and goodwill fees may be incurred when the property is transferred to the buyer's name:1Stamp Duty:

If you sell your property and you need to transfer the property to the buyer's name, you will need to pay stamp duty. The rate of stamp duty is based on the house transaction**, which is usually the total value of the house transaction. 2.

Transfer costs: Transfer costs refer to the costs of transferring the property rights to the new buyer, including notary fees, property registration fees, lawyer fees, etc., which vary from region to region and need to be consulted with the relevant local authorities or law firms. 3.

Personal income tax: If you make a profit when you sell your property, you will need to pay personal income tax, which is based on the amount you received from the sale of your property, and you need to consult with the local tax authority. It should be noted that if your property has not yet been handed over, you should consult with the local property management department or relevant law firm before selling the property to understand the specific pre-transfer search procedures, fees and taxes, etc., so that you can have a smoother transfer of ownership.

There are two ways to sell the house before the mortgage is repaid: 1. Pay off the loan in advance; 2. Find a guarantee company to redeem the property with quota or cash.

Method 1: The two parties go to the housing transaction intermediary company to deal with it. The agency can use the money to help him pay off the debt, and then ask for the real estate certificate back to go through the transfer procedures.

Method 2: Advance notice registration and transfer. The legal basis is that Article 20 of the Property Law stipulates that if a party signs an agreement on the sale and purchase of a house or other immovable property right, in order to ensure the realization of the real right in the future, it may apply to the registration authority for advance notice registration in accordance with the agreement.

If, after the advance notice is registered, the immovable property is disposed of without the consent of the right holder of the advance notice registration, the real right shall not take effect. After the advance notice is registered, if the creditor's rights are extinguished or the application for registration is not made within three months from the date on which the immovable property can be registered, the advance notice registration shall become invalid.

If the mortgage is not repaid, the transfer cannot be handled, and the transfer is handled by first paying off the mortgage at one time, and then taking the repayment certificate issued by the bank to the mortgage department of the housing authority to unseal the mortgage, and then go through the transfer procedures.

The transfer of ownership can be carried out, which requires a joint negotiation between the buyer and the seller and the bank.

If the mortgage is not repaid, the transfer cannot be processed.

You must pay off the mortgage first, or apply for a refinancing.

If the loan is not repaid, the transfer procedure cannot be completed.

How to transfer the house that is still paying the mortgage.