There is a fear of paying a down payment for the transfer of a house, and the person who has to pay

There is fear of buying a house and making a down payment, and many people feel regret after impulsively buying a house, which can lead to anxiety and depression. In fact, if things have become an established fact, it is useless to regret them, so you should relax and think more about the benefits of the house. Or find a friend to talk to, it's a good way to do it.

Don't be bored by yourself, thinking crankily alone, it's easy to come up with problems, which is not good for your health.

1. For buying a house, you must look at it more, and don't pay the money easily. The deposit can be paid, but the deposit cannot be paid. Because the deposit is refundable, but the deposit is non-refundable.

2. And for buying a house, don't look at it alone, * go as a family, or go with friends. Because everyone looks at the house differently, you can find problems that you can't find, so that the house you buy is better.

3. When buying a house, don't be impulsive, listen to the intermediary, and others are in a hurry to buy, etc., don't listen to it, and decide whether to buy or not from the house itself.

I wasn't afraid, I just felt hopeless. At that time, because the child in the belly couldn't wait, I couldn't settle down if I didn't buy a house, but my money was not enough, my husband only said, if you want to buy it, then buy it, and then there is no more, my in-laws do not support it, saying that such a bad house is so expensive, what will I buy, my parents are incapable, they rely on themselves to save money, and they have to calculate how much money to set aside to have children, very desperate, I have seen a lot of houses, I am not satisfied, but I can't afford to buy a better house, I think I may only be able to live in such a broken house for the rest of my life, probably this is fate, I can only accept it. At that time, if my husband and in-laws supported me a little, I could afford to buy a better one.

Normally, people are very worried about buying a house for the first time, whether it is to sign a contract or negotiate the house payment, and it is good to relax when the fear is caused by excessive tension.

I feel hopeless. At that time, because the child in the belly couldn't wait, I couldn't settle down if I didn't buy a house, but my money was not enough, my husband only said, if you want to buy it, then buy it, and then there is no more, and my in-laws don't support it, saying that such a bad house is so expensive, what will I buy.

Second-hand housing to pay a down payment and then loan, and then transfer, the bank will not approve the loan if it can't see the down payment, the specific process is as follows:

1. Both the buyer and the seller should prepare the information required for the transfer. Specifically, it includes the housing ownership certificate, the identity certificate of the buyer and the seller, the marital status certificate of the first party of the house, the housing verification certificate, the sales contract and other information deemed necessary by the housing registration agency.

2. After both the buyer and the seller prepare these materials, go to the real estate transaction center in the district where the house is located, that is, the real estate bureau, to handle the relevant business.

3. Take these materials to the window of the pre-examination of the house, and the pre-examination will be done first.

4. After the pre-examination of the house, go to the window of the housing appraisal and evaluate your house. Note that appraisal is not the same as the buyer-seller transaction, and in general, appraisal is lower than the transaction. In addition, the assessment of the value of the house is not free, and an appraisal fee will be charged, which is generally charged in proportion to the appraised value of the house.

5. After the house is evaluated, go to the household registration window to check how many properties you have under your name, and the next step is to pay the house deed tax.

Franco-Chinese pats specialize in real estate transfers.

Legal analysis: Generally, this is the case, the down payment is paid, because the transfer takes time, and when the transfer is completed, the buyer pays the rest of the money in one lump sum, so there is no need to worry.

Legal basis: Civil Code of the People's Republic of China

Article 209 The creation, alteration, transfer and extinction of real estate rights shall take effect upon registration in accordance with law; Without registration, it shall not take effect, unless otherwise provided by law. The ownership of natural resources that belong to the State in accordance with the law may not be registered.

Article 214 Where the creation, alteration, transfer or extinction of real estate rights shall be registered in accordance with the provisions of law, they shall take effect when they are recorded in the real estate register.

Summary. Hello dear. Yes.

The second-hand housing transaction is a down payment and the transfer is made. However, it should be noted that although the transfer of second-hand housing can be handled after the down payment is given, it is usually necessary to wait for the loan to be approved before going through the transfer, otherwise the transaction may be terminated if the mortgage is not approved. ” 1.

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Hello dear. Yes. "The second-hand housing transaction of Moqin is to transfer the property after the down payment.

However, it should be noted that although the transfer of second-hand housing can be handled after the down payment is given, it is usually necessary to wait for the loan to be approved before going through the transfer, otherwise the transaction may be terminated if the mortgage is not approved. ” 1.Thank you for your patience.

The above is my full reply 2Do you have any other questions? I can go on and on for you 3

I hope this service talk can help you, you can click on my avatar to follow me, and if you have any questions in the future, you can consult me again, and look forward to serving you again. Wishing you well; Have a good life and all the best! 4.

If you are satisfied with my service, please give a thumbs up, and once again wish you all the best! Peace and joy.

What should I do if the buyer's loan cannot be approved after the transfer?

Hello dear. Immediately advise the buyer to change to a bank and reapply for a mortgage. If it is because of the buyer's loan, the balance of the house payment cannot be successfully received.

Be sure not to hesitate, but ask the buyer as soon as possible and find another bank to reapply for a mortgage. At the same time, it is necessary to prepare for both, if it is caused by some problems such as the buyer's credit or insufficient flow. Then the buyer should be required to immediately find a loan place for his family to re-apply, and the approval rate will be higher.

Summary. The second-hand house is to be carried out after the down payment is paid, the transfer procedures are completed, and the seller receives all the payment and settles all the water, electricity, gas, cable TV, property and other expenses with the buyer, but the specific check-in time needs to be agreed with the original owner. When buying a second-hand house, you need to pay attention to the following precautions:

1. Verify the identity information of the homeowner and the real estate certificate. Verify whether the resident ID card provided by the seller and the owner of the house registered on the real estate certificate are the same person, whether there are other rights recorded, and whether there are co-owners. 2. Go to the real estate transaction center to inquire about the situation of the house for sale, such as the registration of the house, the use of the house, whether there is a seizure, whether there is a mortgage, etc.

3. Advance notice registration. As a buyer, if the transfer of ownership cannot be made for a long period of time after the second-hand house sales contract is signed, it is recommended to go through advance registration at the property registration department, which can effectively prevent the homeowner from selling one house and two houses. 4. Verify the lease of the house for sale, if the house has been rented, the seller needs to provide a statement issued by the tenant to waive the right of first refusal under the same conditions.

Hello no.

After paying the down payment, under normal circumstances, it is not possible to move in, and the normal transaction process of Shanmin's second-hand housing is to pay the payment for the house and complete the transfer of property rights before moving in.

The second-hand house is to be carried out after the down payment is paid, the transfer procedures are completed, and the seller receives all the payment and settles all the water, electricity, gas, cable TV, property and other expenses with the buyer, but the specific check-in time needs to be agreed with the original owner. When buying a second-hand house, you need to pay attention to the following precautions: 1. Verify the identity information of the homeowner and the real estate certificate.

Verify whether the resident ID card provided by the seller and the owner of the house registered on the real estate certificate are the same person, whether there are other rights recorded, and whether there are co-owners. 2. Go to the real estate transaction center to inquire about the situation of the house for sale, such as the registration of the house, the use of the house, whether there is a seizure, whether there is a mortgage, etc. 3. Advance notice registration.

As a buyer, if the second-hand house sales contract is signed, if the transfer cannot be made for a long time, it is recommended to go through the advance registration at the property registration department, which can effectively prevent the homeowner from selling one house and two houses. 4. Verify the lease status of the house for sale, and if the house has been rented, the seller needs to provide a statement issued by the tenant to waive the right of first refusal under the same conditions.

Legal Analysis: Yes. The house in the mortgage can be transferred after paying the down payment, which is a second-hand housing transaction. Only when the property certificate has been completed, can the transaction be normal, and the bank loan must be paid off before the transaction is transferred (the mortgage repayment will be settled in advance if the mortgage repayment is less than one year, and the liquidated damages must be paid to the bank).

Legal basis: Administrative Measures for the Sales of Commercial Housing

Article 30 The real estate development enterprise shall, in accordance with the contract, deliver the commercial housing that meets the conditions for delivery and use to the buyer on time. If it fails to deliver on time, the real estate development enterprise shall bear the liability for breach of contract. If it is necessary to postpone delivery due to force majeure or other reasons agreed by the parties in the contract, the real estate development enterprise shall promptly inform the buyer.

Is buying a second-hand house a transfer or a down payment first? A lot of people get the order wrong.

Second-hand housing to pay a down payment and then loan, and then transfer, the bank will not approve the loan if it can't see the down payment, the specific process is as follows:

1. Submit materials and make an application.

The buyer and seller bring all the relevant documents and go to the bank. Collect and fill in the application form for personal loan for second-hand housing, and submit all materials to the staff for review after filling it out.

The staff will make a preliminary assessment of the materials and give the approximate loan amount and term. Finally, the three parties agree on the time, and the bank will contact the designated real estate appraisal agency to go to the house for evaluation.

2. Evaluation. According to the agreed time, the real estate appraisal agency will go to the ** place for evaluation. Upon completion, the appraisal agency issues an appraisal report to the bank.

This stage will take time according to the agreed situation, and can be completed within 3-5 working days. The counterparty is required to pay an appraisal fee of 500 yuan.

3. Bank approval.

The bank will review the qualifications of the loan applicant, and after meeting the conditions, the bank will approve the loan amount and term according to the housing appraisal and the qualifications of the comprehensive lender. The approval process is generally about 5 working days, but the Zhongguancun Branch of Minsheng Bank and the loan approval department are located in the same office building, and the approval speed is fast, and the approval time for each business can be completed in 1-2 days.

4. Pay the down payment and handle the transfer.

After approval, the buyer pays the seller a down payment on the house. Then the buyer and seller and the bank staff go to the real estate exchange to handle the transfer of property rights with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials. The transfer can be completed on the same day, and the buyer will wait about 20 working days to collect the title deed.

5. Handle real estate mortgage registration, insurance procedures, and bank lending.

After the buyer receives the real estate certificate, he will go through the real estate mortgage registration and insurance, and the insurance fee is about 2,000 yuan. Then, after the loan is disbursed, the bank deposits the money into the seller's account and the buyer begins to repay the current period on time according to the contract.