Second-hand housing purchase process, second-hand housing purchase precautions

The current social situation is high housing prices, and buyers are mainly young people. The first choice is a loan or a second-hand house. However, many people don't understand the purchase process and are easily deceived or lost. So before buying a second-hand house, you must understand the detailed process of buying a second-hand house! Let's take a look at the process of buying a second-hand house in Tuba Rabbit Bian Xiao!

Step 1: Start preparation.

Before buying a house, first estimate your actual purchasing power according to your own financial strength and repayment ability, and determine the location, area, price, floor and orientation of the house according to your own house. Meet the needs of work and life.

Step 2: Select a list

There are many channels to choose second-hand housing. One is to find housing information from the official real estate agent. The advantage of choosing an intermediary is that it is rich in housing information, and the intermediary can help with various procedures and save trouble. The second is to introduce relatives, friends, acquaintances and colleagues. The advantage of this channel is reliability, but the housing information is insufficient, but the selectivity is not high. The third is to query the information published on real estate websites or newspapers. At present, many real estate websites, such as Yifang.com and SouFun.com, have a large number of houses. The advantage of this channel is that there is a large amount of information and there is no need to pay intermediary fees. In addition, you can also go to the real estate to find a house, such as a house of interest to the Chinese community. You can ask the residential property department or residents and ask a lot of information at any time.

Step 3: property right review

For second-hand houses, the most important thing before buying is to "find out" the history of the house.

1。 Check whether the ownership of the second-hand house is true, complete and reliable. Please check the relevant documents of the "two certificates" of the house. Houses without two certificates are not allowed to be bought or sold. Some homeowners said that the title certificate was for sale. Experts suggest that such a house can't be bought even if it is cheap. If you can't get the certificate, the loss will be great. For the sake of prudence, property buyers can investigate and verify the authenticity and identity of relevant documents and their contents to the real estate registration authority. Understand whether there is a property dispute in the house.

2。 Choose a house and find out whether the property right of the house is shared with others. According to the regulations, if the second-hand house belongs to more than two (including two) subjects, the written certificate that * * * agrees with the owner shall be reviewed (submitted).

3。 Before the second-hand house transaction, the buyer should check whether the house has other creditor's rights and debts. There are no administrative organs such as people's courts, people's procuratorates, public security organs and state security organs.

4。 Second-hand houses should be reviewed under any circumstances. If there is written evidence that the seller has notified the creditor or obtained written proof that the creditor and other obligees agree to the transfer.

5。 This depends on whether the second-hand house purchased is a house that is allowed to be sold. Due to the "housing reform" of public houses, some units still retain the preemptive right. In addition, it depends on whether the construction area of the purchased second-hand house is accurate, because sometimes the actual area of the house does not match the area indicated on the property certificate. The area agreed in the house sales contract shall be marked with the title certificate. The standard is to check whether the owner and the seller on the house ownership certificate are the same person. If not, they must also know what they are. It is necessary to investigate the quality, location, environment, price, structure, layout and lighting conditions of the house. And property management and other related issues.

Step 4: Both parties negotiate the price.

If property buyers choose a house through the above procedures, then the next step is to let the two sides talk about the price and see how much the house is worth. For ordinary people, first of all, we must seriously understand the housing quality that may affect housing prices. As the service life of second-hand houses has a long time, buyers should carefully check the following aspects:

1. Has the house changed its internal and external structure, because some private changes will affect the stability and stability of the house. house

2。 Observe whether the room type is reasonable. For example, the house is not facing the sun, or there is no "dark room". The room has obvious problems such as water seepage and cracking.

3。 Evaluate the supporting facilities of the house. Whether the pipeline gas is connected and whether the voltage and water pressure are qualified.

Step 5: Sign the contract.

Pay attention to the following points when signing the contract: make clear the rights and obligations of both parties and the commitments of the owner. When signing a contract, both parties shall bear the obligations and responsibilities stipulated in the contract or agreement. The owner's commitment to customers helps to avoid disputes, even if disputes arise, they are fully recorded; Clarify the liability for breach of contract. If the breach of contract, such as late delivery and back-out, is handled, it shall be indicated in the contract or agreement.

Step 6: Apply for a loan.

Nowadays, the price of second-hand houses is getting higher and higher, and many buyers need loans to realize their housing dreams. At present, the bank has launched the second-hand housing loan business. Property buyers need to prepare some materials to apply for loans: ID card, household registration book, proof of economic income, Property Ownership Certificate and State-owned Land Use Certificate, sign the Sales Contract of Wuhan Stock Exchange, and the appraisal company will issue an appraisal report. Then, the loan company applies for a loan. After investigation and approval by the guarantee company, the buyer must sign a series of loan contracts, contracts, return orders, power of attorney and registration application forms. Set the required information.

Step 7: Deal with mortgage loan.

For the loan contract, agreement contract, receipt, arrival registration application form, newly-handled house, ownership certificate, state-owned land use certificate and evaluation report signed by the buyer when applying for a loan, please apply to the District Real Estate Administration for warranty certificate. After the guarantee company issued the Loan Notice, the buyer and the seller came to the bank with their respective ID cards and newly issued Property Ownership Certificate, State-owned Land Use Certificate and Other Warrants. Both sides use ID cards to open accounts, and the bank transfers the loan applied by the buyer to the landlord's account. The buyer's own account is a monthly repayment account.

Step 8: Check and accept the house

Be sure to clean up the water, electricity, gas, cable TV and property fees of the house you bought.

The buyer and the seller must sign and submit the property delivery order. At this point, the complete second-hand housing purchase process has ended. I believe everyone will know more or less about the above contents, and I hope this article can help you. You can also log in to Tuba Rabbit to view and subscribe to more relevant content and information.