The transfer of real estate that is still being repaid, the repayment of the loan, the transfer of t

The other party cannot then use his CPF to pay off the remaining balance. There is no need to notarize the property. The other party is a second house, and can only implement the local mortgage policy for the second house.

Routine: You must pay off your CPF loan at once - and then transfer the property to the other party, of course, before you transfer to the other party, it is best to go to the housing management department to ask the local second-hand housing purchase and mortgage policy to avoid unnecessary disputes in the future.

The problem is not complicated, find a local intermediary company, they can help you complete these things, but the procedure is more and the waiting time is uncertain.

No, you cannot. The house must be paid off in full before it is allowed to be bought or sold. Because, when you don't settle the arrears, your house doesn't actually belong to you, but to the bank, and you don't have the right to mortgage the property rights. Therefore, it is useless to do notarization.

If you borrow money and buy a house again, it is the second set, and if you take out another loan, the interest rate will rise by 10%.

Then there is the issue of real estate tax, if it is a house in Shanghai, according to the current national regulations, Shanghai people need to pay tax for the part of the building area exceeding 60 square meters per capita.

In the case of foreign household registration, even if it is the first set, you have to pay real estate tax, and there is no 60 square meter reduction.

I hope it will help you, in fact, the policy of each district has changed slightly, and they have a special consultation window, which is good for grasping the policy.

The mortgage cannot be transferred until the mortgage is paid off.

1. If the seller has not paid off the bank loan and the house ownership certificate has not been processed, the transfer cannot be handled, and the transfer procedures can only be handled through pre-sale transfer.

2. If the seller takes a loan to buy a house, the real estate certificate has been processed, but the mortgage has not been released, and the seller is unable to repay the bank loan at one time, and the bank cannot release the mortgage on the property right of the house, so it cannot handle the transfer;

3. Another example is that the buyer wants to buy a house through a loan, but the seller also buys the house through a loan, and the bank loan has not been paid off, the house is in a mortgage state, and the transfer cannot be handled, and the buyer cannot apply for a loan.

4. If the seller's lending bank agrees, it can also handle the remortgage of the same peer, and the lending bank allows it to be listed**.

1. Go to the bank in your aunt's name to apply for early repayment.

2. After paying off the loan at the bank, go to the real estate bureau to go through the procedures for cancellation of other warrants.

3. Let your aunt and husband bring the real estate certificate, the ID card of both husband and wife, the household registration book, and the marriage certificate to the real estate management department to go through the transfer procedures, and you need to bring the original ID card and the fee.

Saving money and trouble is to handle a gift, if this is the case, in the future, this house will pay 20%-30% gift tax, it is not recommended to use this method.

You can go to the real estate bureau to handle the transfer of "property division", so that it only takes a few hundred yuan. The regulations vary from place to place, so it is recommended that the landlord go to the local real estate management department for specific consultation.

For a lump sum repayment, the amount of repayment will change depending on the original agreement with the bank.

Pay off the bank loan, the bank is responsible for the release of the mortgage to the Land Housing Bureau, send the parcel and pick it up, it is expected that about half a month, obtain the property rights, and your aunt will transfer the property to your name, which is equivalent to the transfer transaction, and the deed tax needs to be paid, and the deed tax percentage is determined according to the size of the house.