Many friends buy second-hand houses through intermediaries, but many people don't want to pay for them for no reason. Can they buy second-hand houses without intermediaries? What are the steps to buy a house without an intermediary? Let's have a look.
Buying a second-hand house can not go through an intermediary, but if you don't believe the trading partner or worry about risks, it's a relatively safe plan to go through an intermediary. In addition, if you have signed a brokerage contract with an intermediary, you'd better not trade privately. This is a matter of integrity, and others have paid their own labor.
In addition, if the intermediary knows, it can ask you to pay the intermediary fee. The specific operation steps are as follows:
1. It is to sign the stock house sales contract and supplementary agreement with the real estate bureau to make an agreement on the responsibilities of both parties and their respective expenses. After the stock house sales contract is signed, go to the real estate bureau to check the price.
2. The seller takes the stock house sales contract, ID card, house property certificate, etc. to the local tax bureau to declare tax and pay personal income tax, business tax, etc.
3. The buyer and the Seller shall go to the real estate bureau for fund custody, and deposit the down payment into the account designated by the real estate bureau. It should be noted that if the bank selected to handle the loan, it is best to deposit it in the account of the real estate bureau in the bank, so as to avoid the trouble of loan approval. The custody agreement given to you should be collected and used for withdrawal in the future.
4. Pay the deed tax, and then go through the registration of house property right change in the real estate bureau, during which you have to pay more than n messy fees, such as registration fee, handling fee, stamp duty, etc
5. Get the house property certificate.
6. Take the real estate certificate to evaluate the evaluation. Note that if the evaluation institution designated by the lending bank.
7. Take your ID card, marriage certificate, real estate certificate, evaluation report, stock house sales contract, fund deposit certificate of down payment, custody agreement, income certificate and other things that the bank deems necessary to apply for mortgage loans (you need to borrow provident fund to provident fund management center, and the materials that need to be prepared should be similar). Remember: all things need to be copied. I need to copy more copies of ID card and marriage certificate. Anyway, I have copied five copies of everything, and then the bank can take several copies if it wants.
8. Go to the bank to get the approved loan contract.
9. Go to the real estate bureau to handle other warrants. Generally, it will come down in three days.
10. Hand over his warrants to the bank and urge the lender at the same time.
11. After the loan comes down, go to the bank to get a loan receipt. Generally, the bank will give you the sixth copy of the receipt, and the third copy will be transferred by the bank to the real estate bureau.
12. The buyer and the Seller shall withdraw money from the real estate bureau with the custody agreement, loan receipt, real estate certificate, ID card and deposit certificate of down payment funds. Remember, as soon as the loan comes down, there is no interest on your money in the account of the real estate bureau, and the interest belongs to the real estate bureau. So people in the real estate bureau are very reluctant to see you withdraw money. No matter he quarrels with him, he usually gives you a check in the end.
13. The seller withdrew the money against this check.
14. The buyer and the Seller shall handle the handover of house, water, electricity, gas, telephone, broadband and cable TV. The buyer shall remember to give the seller's land certificate.
15. The buyer handles the land certificate, settlement, etc., and decorates the house.
16. The buyer began a long life of house slaves until the loan was paid off