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What are the precautions for buying a second-hand house

The rise in house prices makes us prohibitive and out of reach. Although eager to buy a new house, the house price of a new house is really high in some areas. People who can't afford a new house have spawned the market of the second-hand housing industry. What is the process of buying a second-hand house? What are the precautions for buying a second-hand house? Friends who decide to buy second-hand houses must know!

What is the process of buying a second-hand house?

1. We check the house and property right before buying and selling to understand the situation of the house. The buyer understands the overall status and property rights of the house and requires the seller to provide legal certificates, including house ownership certificate, identity certificate and other certificates. You can also look at the relevant credentials at the time of house purchase, such as house purchase invoice and deed tax invoice, as auxiliary evidence to confirm the ownership of house property rights.

2. Relevant file checking. The buyer and the Seller shall hold the original house property certificate, and the housing authority shall query the house property archives to determine the ownership of property rights and whether they are mortgaged. It is suggested that buyers should not underestimate this step. Finding out the property right is a major event related to the ownership of the house.

3. We confirm the property right of the house and then pay the deposit. If the seller is still repaying the loan, we need to redeem the building or transfer the mortgage with the same industry before paying the deposit. Deal with building Redemption: the seller borrows money from the bank through the guarantee company to redeem the building, which will produce a certain guarantee fee and interest on the short-term building redemption loan. When the seller no longer repays the loan for the house, it enters the deposit ring Festival. Generally speaking, an advance sales contract will be signed when the deposit is paid, and the model text can be downloaded from the website of the Municipal Housing Administration Bureau. The contract shall at least specify the house property right, address, transaction amount, transfer time, delivery time, who shall pay relevant taxes, liquidated damages and liability for breach of contract, etc.

4. After the formal contract is signed and the first phase is delivered, the formal second-hand housing sales contract can be signed. The example of the contract can be downloaded from the official website of the local housing authority, and both parties can modify it by themselves. Before signing the contract, it should be noted that if the real estate has a co owner, the co owner should sign together to avoid the possibility of failure of the transaction caused by the co owner's disagreement with the sale.

What are the precautions for buying a second-hand house?

1. Pay attention to whether the original unit is allowed to resell: it is necessary to confirm whether the original unit agrees to the transfer and the distribution method of confirming the interests with the original property right unit. The transfer of public houses purchased at the standard price has the problem of making up the expenses according to the cost price or sharing the expenses in proportion with the original unit, which the buyer should understand. In addition, the public houses of military products, hospital products and school products are generally in the same courtyard as the office space of the unit. The above units are generally listed as special units. It is impossible for such public houses to obtain the listing qualification without consent.

2. Pay attention to whether there are private buildings: pay attention to whether public space is occupied, whether the internal structure of the house has been changed, and whether there are structural changes involving area calculation. These factors should be taken into account when purchasing, and the additional area should be excluded from the house price calculation. Of course, this needs to be negotiated with the homeowner.

3. Pay attention to confirm the accurate area of the purchased second-hand house: the property right certificate generally indicates the construction area, and the buyer also needs to know the use area and the actual indoor area.