How to purchase a second-hand house
4hw.org: the price of new houses continues to be bullish, and the second-hand housing market is also in full swing. Compared with the price of new houses, the price of second-hand houses is much lower, so more newly needed customers will aim at the second-hand housing market. The transaction process of second-hand houses must be clear to avoid house purchase.
I. information matching for the buyer to see the house
First of all, we should be clear about our own needs to buy a house. We should look for a suitable house for us at this stage according to our needs. We should not lose our head in the wind for a while. We should consider the total price of the house unit price and not exceed our ability to pay. Of course, when you see a good house supply, you don't have to stick to the original conditions, and adjust it according to the situation, because there should be some deviations in the number of houses that don't meet the needs.
II. Property right investigation
Property rights investigation must not be ignored. We should pay attention to some second-hand houses with unknown property rights. If you just trade with the owner of the house, but you don't know the real property right of the house, even if you pay all the house money, you can't transfer the property right. Husband and wife share real estate, the house that is being rented, the house that the property right belongs to the unit, the house that is mortgaged and auctioned cannot be traded.
III. both parties shall pay the intention money through conversation
"Intention money" refers to that the buyer, in order to find the ideal property faster, formulates the area, area, price, standard, etc. after the purchase goal is clear, and pays the "intention money" in advance in a trusted intermediary company and signs the term. After collecting "sincerity money", the agency will find the ideal house for the buyer. If no suitable house is found within the agreed period, the repayment will be refunded.
IV. contract signing between the buyer and the seller
Signing the "sales contract" is an important part of the purchase process. The terms must be carefully considered and carefully drawn up and read in detail. It is not good to miss a place. The total price of the house, liquidated damages, late fees, delivery time, transfer time, tax payment, payment method, property handover, etc. must be clearly written in black and white.
V. deposit paid by the buyer
The so-called earnest money refers to the advance payment of the other party or its substitute according to a certain proportion (no more than 20%) of the amount of the object of the contract before or after the conclusion of the contract by one party according to the provisions of the law or the agreement of both parties in order to ensure the performance of the contract.
Vi. the Seller shall go through the mortgage cancellation procedures
In the second-hand housing transactions, a considerable part of the real estate is mortgaged. As the real estate certificate is not in the hands of the owner, the issue of building redemption from the bank is involved in the transaction. If the seller is unable to go through the mortgage cancellation procedures on his own, the buyer, the seller and the guarantee institution may choose different ways of mortgage cancellation in the 'transfer agreement'. If the mortgage cannot be released, both parties shall terminate the contract.
VII. The buyer handles the bank mortgage procedures
If the buyer needs a loan, he should go through the relevant procedures of bank loan before going through the transfer procedures, and then go through the transfer procedures after the approval is passed. If the loan approval is not passed, he should go through the transfer procedures first. In case the loan approval is not passed, both the buyer and the seller will fall into a very passive situation.
8. Buyer's down payment
The main purpose of payment in batches is to reduce the risk, in order to prevent unexpected losses in the transaction process. Generally, 30% of the first payment will be made on the day of signing the contract, 60% of the payment will be made when the receipt is obtained, and 10% of the payment will be made after the completion of the production certificate. The buyer and the seller must agree on the payment method and amount in advance when signing the contract, and write clearly in black and white.
IX. transfer of ownership by both parties
(1) duty paid
The buyer and the Seller shall go through the formalities at the Local Taxation Bureau, and the buyer shall pay the relevant taxes
(2) handle transfer registration
Both parties shall go through the registration formalities at the transaction management department with the sales contract and relevant certificates and materials.
X. The seller shall deliver the house to the buyer
The buyer shall check the house condition item by item according to the contract signed by both parties, check the facilities and equipment, check the quality problems, and confirm the responsible party through consultation with the former owner before the house is closed in case of any problem with the house certificate.
Xi. The buyer obtains the house certificate
After completing the ownership transfer procedures, the real estate bureau shall, within the time limit specified by the real estate bureau, hold the tax payment certificate and other documents as well as other documents as required, apply to the county ownership registration department in the area where the house is located for the housing ownership certificate, and the housing ownership registration department shall issue the "completion sheet" to the seller.
12. Bank loans to the seller
According to the "settlement sheet" in the seller's hand, the guarantee institution shall notify the bank to transfer the "special account" domestic capital to the seller. If the fund is transferred by itself, the balance can be handed over to the seller at this time. Because the property right has been transferred to the seller, part of the balance can also be reserved and settled after the property handover.
XIII. Property handover
To examine whether the property management fee, water, electricity and heating, public maintenance fund and other fees payable for the purchased house are overdue. After getting the key, remember to change the lock first, so as to leave the receipts and copies of all kinds of expenses settled.
XIV. The buyer pays for the final house payment
In the second-hand house transaction process, there are often some remaining funds, which are used to ensure the utility fees such as water, electricity, gas, and property management fees. At the same time, they can also play a corresponding role in protecting the decoration part as well as the integrity of furniture and home appliances.
The above is the detailed process of buying second-hand houses.