What should be paid attention to when buying second-hand houses? What kind of second-hand houses can't be bought
4hw.com.cn: when looking at houses, many people prefer second-hand houses. They think that such houses have many advantages, such as being able to move in immediately, having complete supporting facilities around, and having mature communities, etc. During the purchase process, you should polish your eyes. Be careful not to buy any houses with problems. Today, Xiaobian told you that we need to pay attention to those matters when buying second-hand houses, and what kind of second-hand houses should not be bought.
Precautions for purchasing second-hand houses
1. Find out the truth
(1) go to the real estate trading center with ID card to check the real information of the house.
(2) it can be handed over to the intermediary for full responsibility. The contract indicates that if the real estate certificate is not true, the intermediary shall be fully responsible.
(3) confirm the owner's identity information.
2. Whether the housing procedures are complete
(1) whether the real estate certificate and land certificate are complete;
(2) whether the house has been mortgaged, whether it has been sealed up by the court, whether it is a house bought by mortgage loan, whether it is being rented, and how much is the loan amount; in China, including most regions, it is recognized that "the sale cannot break the lease", that is to say, the house sale contract cannot resist the earlier established lease contract.
(3) you can ask for a copy of the intermediary business license.
3. Whether the property right of the house is clear
(1) if there are several co owners of some houses? If there are inheritors, families and husband and wife, the buyer shall sign a house sale contract with all the co owners.
(2) if only part of the joint owners dispose of the joint property without authorization, the sales contract signed between the buyer and the joint owners is generally invalid without the consent of other joint owners.
4. Is the land clear
Pay attention to the service life of the land. If the land-use right of a house is only 40 years old and the owner has used it for more than 10 years, it is a bit uneconomical for the buyer to judge whether the land-use right of the same lot should be the price of 70 years' commercial housing.
5. Pay attention to the payment method
(1) make specific data agreement on payment method, payment date and payment amount. The best way is for one party to deposit cash in the bank first, for both parties to achieve delivery in the bank, and for one party to take out the cash and directly deposit it in the other party's account.
(2) if there is a loan for the house purchased and sold, special attention shall be paid when making payment. Generally, the Seller shall repay in advance to terminate the loan.
6. Determine the delivery time: payment method and time, none of which is indispensable
If the sale intention is reached, the delivery time shall be clearly agreed in the contract. Before, in the process of housing sales, disputes often arise because the delivery time is not specified in the contract. For example, when the agreed time is reached, the seller is unable to deliver the house to the buyer due to lease or other reasons, and the buyer can only suffer 'dumb losses' because the buyer does not make relevant statements in the contract.
Therefore, in the process of signing the contract, it is necessary to indicate when the seller will deliver the house to the buyer in what way. If the house cannot be delivered on time, what kind of compensation the buyer will receive, and whether the house still has leasing conditions, etc. In general, when the agreement is reached, the buyer can take about 10% of the total price of the house as the condition to pay again when the house is handed over to restrict the seller to hand over the house according to the condition.
7. Household registration
When the buyer checks the real estate situation, don't forget the joint account relationship of the house. Does the seller move out the family account at the same time after selling the house. Before, there were often similar situations, such as the seller did not sign out the family account at the same time after selling the house, resulting in the buyer's inability to move in the account. The agreement can be indicated in the "other agreements" in the "agreement on purchase conditions". As agreed in the delivery time, in general, the seller can reserve a sum of money and pay it to the seller after confirming the account situation at the time of delivery. The amount of the money is generally about 1% of the total price of the house.
8. Be careful of the "black eating" of maintenance fund
Many consumers ignore the maintenance fund in the process of buying second-hand houses, and the intermediary often uses the gap to eat into the maintenance fund. Such a situation often occurs in the following ways: the intermediary tells the seller that the second-hand house maintenance fund has little left, which is generally given to the buyer, while the intermediary says that the seller did not give the maintenance fund to you when dealing with the buyer, and the buyer should pay attention to itself New maintenance fund, so that maintenance fund into the pocket of the intermediary.
The buyer and the seller need to understand in person. If the maintenance fund is given to the buyer, the two parties need to make an agreement in "other agreements" in the "agreement on purchase conditions". Generally, when the house is handed over, the buyer and the Seller shall jointly go to the housing authority and the corresponding property management company to carry out capital delivery and account name change for the account balance of the maintenance fund.
What kind of second-hand house do not buy
1. The judicial organ and administrative organ decide to seal up or restrict the rights of second-hand houses in other ways according to the law.
2. Reclaiming the land use right according to law.
3. Shared second-hand houses without the written consent of other co owners.
4. The ownership is disputed.
5. Failing to register and get the ownership certificate according to law.
6. It has been mortgaged and transferred without the written consent of the mortgagee.
7. Those listed in the scope of demolition.
8. Other circumstances prohibited by laws and administrative regulations.
If the second-hand houses have the above situations, do not buy them. For the houses with problems, if you buy them, you will face a series of complex problems in the future.