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How to buy second-hand housing loan without approval? Is it a default if the loan is not approved

How to buy second-hand housing loan without approval? Is it a default if the loan is not approved? It depends on the circumstances. In judging whether the buyer breaches the contract, we need to see the relevant provisions of the second-hand housing sales contract. Generally speaking, if the bank loan can't be handled because of the buyer's personal reasons, such as bad credit and insufficient income, the buyer can not bear the liability for breach of contract. Unless otherwise stipulated in the contract, the buyer has the right to refuse to pay the liquidated damages.

In the sale of second-hand houses, it is necessary to remind the buyers that if they are cheated in buying commercial houses, they will at least be wronged by the owner of the debt, and the difficulty of recourse and compensation will be much higher when they are cheated in buying second-hand public houses.

1、 Confirm the reliability of property rights:

1. Pay attention to whether the owner of the property right certificate and the seller are the same person;

2. Find out whether it is cost price housing or standard price housing or affordable housing;

3. Whether the area confirmed by the property right certificate is inconsistent with the actual area;

4. Be sure to check the original of the property right certificate and check the authenticity of the property right certificate with the housing authority.

2、 Check whether the original unit is allowed to resell: (now Beijing has changed, but attention should be paid to it)

1. Confirm whether the expenses of the public housing purchased at the standard price have been supplemented according to the cost price or shared with the original unit in proportion;

2. When most of the public houses are undergoing housing reform, the original units reserve the priority right to buy back, so it is necessary to confirm whether the original units agree to sell;

3. Generally speaking, the public houses of military products, hospital (hospital) products and school (school) products can only be sold after being sealed by the original unit.

3、 Check whether there is private building:

1. Whether the platform and corridor of the roof are occupied; or whether there is a small loft built in the house;

2. Whether the internal and external structure of the house has been changed, such as changing the balcony into a bedroom or kitchen, and dividing one room into two rooms;

3. Whether the balcony is closed by the owner involves how to calculate the balcony area.

4、 Confirm the exact area of the house:

1. Including building area, use area and indoor actual area;

2. The property right certificate generally indicates the building area;

3. The safest way is to measure the area of the house from the corner to the corner, which is called carpet area.

5、 Observe the internal structure of the house:

1. Whether the house type is reasonable, and whether it is particularly unfit for living;

2. Whether there are too many pipelines or unreasonable routing;

3. Whether the ceiling has traces of water seepage, and whether the wall has obvious problems such as bursting or peeling.

6、 Municipal supporting facilities of the assessment house:

1. Turn on the tap to observe the water quality and pressure;

2. Turn on the TV to see if the image is clear and how many programs can be watched;

3. Confirm the power supply capacity of the house to avoid air conditioning failure in summer;

4. Observe whether the wires inside and outside the house are aging;

5. Connection condition of telephone line: ordinary telephone line or ISDN telephone line;

6. Gas connection, whether natural gas has been replaced;

7. Whether there is hot water supply in the community, or whether the house itself has a water heater;

8. In winter, the supply of heating and the collection of fees, the number of radiators and the temperature of heating are not enough.

7、 Understand the condition of decoration:

1. Whether the original house is decorated, and whether the decoration level and degree need to be completely destroyed;

2. Understand the internal structure diagram of the house, including the direction of the pipeline, the location of the bearing wall, etc., so as to facilitate the re decoration.

8、 Check the level of property management:

1. How to collect the fees of water, electricity, coal and heating, whether to collect them on site or pay them by yourself, whether to leave the house or not;

2. Observe the brand, speed and management mode of the elevator, and observe the cleanliness and layout of the public corridor;

3. How to observe the number and sense of responsibility of security personnel if the community is closed;

4. What services does the property management company provide for community greening.

9、 Understand the cost of living in the future:

1. Price of water, electricity, coal and heating;

2. Collection standard of property management fee;

3. Parking fee.

10、 Go back to the history of the old house:

1. What year is the land covered and how long is the land use period;

2. Who lived in what background and what purpose;

3. Whether there have been bad things, whether there have been money owed or theft;

4. Whether it owes the property management company fees and water, electricity, coal and heating fees.

11、 Learn about neighborhood combinations:

1. A good neighbor will make you live happily in the community at different times to see people coming and going, and judge people's social level through their clothes and life rules;

2. Visit the upper, lower, left and right neighbors to find out whether they are comfortable living here;

3. Chat with the on duty personnel of the neighborhood committee or the reception room to understand the situation.

12、 Calculate the price:

1. I judge the value of the house through the repeated comparison of public houses in the market;

2. Entrust a trusted intermediary company or evaluation firm to carry out the evaluation;

3. When the bank provides the mortgage, it will make a hedging evaluation, which can be regarded as the lowest hedging price of the house.

13、 See if you can make a second-hand house mortgage. The conditions for second-hand house mortgage are:

1. At least 18 years old, with urban household registration;

2. Proof of stable income to pay principal and interest;

3. Willing to take the house sold as a mortgage, or able to provide other qualified mortgage;

4. The property right of the house purchased is authentic and reliable;

5. Pay the relevant service charges.