How to transfer household registration with mortgage loan: analysis of the whole process and hot questions and answers
Recently, the issue of "how to transfer household registration for a mortgaged house" has become a hot topic on social platforms, especially involving scenarios such as children's schooling and home purchases in other places. This article combines hot discussions and policy requirements across the Internet in the past 10 days to sort out detailed operation guidelines for you.
1. Core conditions for loan and mortgage housing relocation
According to local household registration management regulations in 2023, properties with unpaid loans can still be moved into the household registration, but the following basic conditions must be met:
| condition type | Specific requirements | Special requirements for hotspot areas |
|---|---|---|
| Property certificate | House purchase contract + mortgage agreement/copy of real estate certificate (need to be stamped with the official seal of the bank) | Shenzhen/Hangzhou need to provide additional repayment records for 6 months |
| House status | Delivered and actually living in (some cities require proof of payment of water and electricity bills) | Beijing/Shanghai requires continuous residence for 3 months |
| Applicant qualifications | Me and my immediate family members (spouse/children/parents) | Guangzhou allows brothers and sisters to move with them (notarization required) |
2. Five-step operation process (with timeliness data)
| steps | Specific operations | Average time taken | High frequency problem |
|---|---|---|---|
| 1. Material preparation | ID card/household register/marriage certificate/house purchase contract/bank mortgage certificate | 3-7 working days (bank stamping process) | The developer's failure to register results in the contract being invalid |
| 2. Property issuance certificate | Proof of residence + house number registration | 1 working day | New houses are not divided into community jurisdictions |
| 3. Application at the police station | Fill out the "Hukou Transfer Approval Form" | 5-15 working days (faster in the Yangtze River Delta region) | Household registration is not allowed in the place of origin |
| 4. Relocation from place of origin | Apply with the relocation permit | 3 working days (can be handled on behalf of others) | Rural household registration compensation dispute |
| 5. Settled in the current place of residence | Take a photo of your new ID card | Complete on the spot | Time limit for settling in school district housing |
3. Comparison of new policies in hot cities in 2023
By analyzing discussion data on Weibo, Douyin and other platforms, we found that the following urban policy changes have attracted high attention:
| city | Policy highlights | Applicable people | Internet discussion popularity |
|---|---|---|---|
| Chengdu | Allowing "pre-settlement" (handled with registration contract) | Off-plan buyers | #Chengdu Settlement New Regulations 120 million views |
| Wuhan | After repaying the loan for one year, you can transfer your family’s household registration | new citizen family | Douyin-related videos have been played 48 million times |
| Xi'an | Mortgage real estate requires the bank to issue a "Letter of Agreement to Settlement" | Commercial bank loan customers | Top 3 most controversial topics on Weibo |
4. Three major pitfall avoidance guides (data from 12345 hotline)
1.Mortgage certificate timeliness: The settlement agreement issued by some institutions such as China Construction Bank is only valid for 30 days, so you need to arrange the time reasonably.
2.Special requirements for school district housing: Nanjing/Suzhou and other places require that you have moved your registered permanent residence for one year before you are eligible for admission, so you need to plan in advance.
3.Co-payer restrictions: If there are non-spouse joint repayers of the property, Fuzhou/Zhengzhou and other places require everyone to sign a consent form.
5. Expert advice
Professor Wang from the Household Registration System Reform Research Center of Renmin University of China pointed out: "After the policy of 'transfer with mortgage' was implemented in many places in 2023, the mortgage house transfer process has been simplified. It is recommended that home buyers pre-review materials through the 'Government Service Network', which can reduce the on-site processing time by more than 60%."
Note: The statistical period of the data in this article is from October 1 to October 10, 2023. For policy changes, please refer to the latest notice from the local public security agency.
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