Compared with new houses, the surrounding supporting facilities of second-hand houses are mostly mature communities. Second-hand houses can also buy and live now, so they are popular with buyers. However, the transaction process of second-hand houses is more complex than that of new houses, which many people do not know. Today, let's talk about what the second-hand housing transaction process looks like.
1. Transaction consultation
The buyer and the Seller shall establish information communication channels. The Seller shall prepare identity cards, real estate certificates and other certificates, and the buyer shall preliminarily understand the property rights of the house and the overall status quo.
2. Field viewing
The buyer and the seller agree on a date and go to the site to see the house on the agreed date. The buyer will inspect the house, surrounding environment and community conditions according to his own needs, and check various certificates provided by the seller, so as to determine the purchase intention.
3. Sign a contract
If the buyer agrees to buy the house, the buyer and the seller can sign a sales contract. After the buyer and the seller reach an agreement on the location of the house, property right status and transaction price, house delivery time, house delivery and property right handling through negotiation, the buyer shall pay the seller the down payment and sign a house sales contract in at least triplicate.
If the buyer does not want to sign the sales contract directly, he can also sign the deposit agreement after paying the deposit, agree on the date, pay the down payment and sign the formal sales contract.
4. Apply for a loan
After signing the sales contract with the seller and paying the down payment, the buyer can mortgage the purchased real estate and relevant rights and interests to the bank, and the bank will provide loans to the buyer as the buyer's house purchase money other than the down payment.
However, if the house sold by the seller has not paid off the loan, the buyer needs to ask the seller to pay off the loan and release the mortgage before handling the loan and other related matters.
5. Sign loan contract
The buyer shall provide the bank with the necessary supporting documents such as ID card, income certificate, house sales contract and guarantee. If the loan bank passes the examination, it will conclude a mortgage contract with the buyer, handle real estate mortgage registration and notarization, and agree to transfer the funds to the designated account within the period specified in the contract.
6. Tax transfer
Both buyers and sellers apply to the real estate management department for transfer, and pay deed tax, individual income tax, value-added tax and other taxes in accordance with the regulations. The administrative department shall accept the application, check the relevant certificates, and approve the transfer procedures for the houses that meet the listing conditions. If they do not meet the listing conditions, the application will be rejected and the listing and trading will be prohibited.
7. Get the house property certificate
After the buyer and the seller complete the property right change registration in the real estate management department, the transaction materials shall be transferred to the issuing department, and the buyer shall apply for a new property right certificate at the issuing department on the strength of the notice of obtaining the house ownership certificate. After the seller delivers the house and settles all property fees, the transaction process of second-hand house is over.