Kunshan second-hand housing transaction process

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Compared with new houses, the transaction process of second-hand houses is more complicated and many people don't know much about it. So what is the transaction process of second-hand houses in Kunshan? Whether you handle it yourself or find a housing agent to help you handle it, the transaction process of second-hand housing generally has the following steps. Let's take a look with Bian Xiao.

Kunshan second-hand housing transaction process

First, looking for a house and looking at it.

Buying a second-hand house needs to be decided according to your own preferences and actual economic conditions. You can go online to search for housing sources, or go to the housing agency to help introduce housing. No matter which way you buy a second-hand house, you should attach great importance to the property rights of this second-hand house.

Second, the house before the sale of property rights audit

Knowing the overall planning and property rights of second-hand houses, buyers can advise sellers to provide relevant legal documents, such as house ownership certificates, resident identity cards and other documents. You can also ask the seller to provide relevant evidence when buying a house, such as purchase invoices and deed tax invoices. It can be used to determine the ownership of second-hand houses.

Third, check the documents.

Buyers and sellers of second-hand houses should bring the original property certificate of second-hand houses to the Housing Authority to inquire about the property files of second-hand houses, so as to determine the ownership of second-hand houses and whether they are mortgaged. Everyone who buys a house must pay attention to this step, which is a major event related to housing ownership.

Fourth, determine the property rights of the house and then pay the deposit.

1. If the seller still needs to repay the loan, the seller needs to redeem the building or re-mortgage the loan with his peers before paying the down payment. Handling foreclosure: The seller borrows from the bank through the guarantee company, and the short-term foreclosure loan will generate certain guarantee fees and interest.

2. When the seller no longer repays the loan for the second-hand house, he can pay the deposit. Generally speaking, when paying the deposit, the buyer and the seller will sign an appointment sales contract, and the demonstration text can be downloaded from the website of the Municipal Housing Authority. It is necessary to clearly write down the property right, address, transaction amount, transfer time, delivery time, who will pay the relevant taxes and fees, liquidated damages, liability for breach of contract, etc.

Verb (abbreviation for verb) sign a formal contract

After the first delivery, you can sign a formal second-hand housing sales contract. The contract samples can be downloaded from official website and local housing management bureaus, and both parties can modify them by themselves. When signing the contract, it should be noted that if there is a * * * property owner, it must be signed by the * * * property owner to avoid the situation that the * * * property owner does not agree to sell the second-hand house, which leads to the failure of the second-hand house transaction.

6. The buyer applies for mortgage loan.

1. If the buyer fails to pay off the purchase price in one lump sum, the buyer still needs to apply for a mortgage loan in the bank. Applying for a mortgage loan in a bank requires the presence of both buyers and sellers. Both parties should bring the original ID card, marriage certificate, household registration book, income certificate, bank account, house sales contract and other documents and materials.

2. If the loan amount of the bank can't meet your expectation, then the buyer needs to be prepared to pay more down payment for the second-hand house, otherwise the second-hand house transaction will fail, which will lead to default and economic losses.

Seven. transfer of ownership

1. When the second-hand house is transferred, you need to go to the property registration center where the second-hand house property is located and pay taxes. Buyers and sellers need to bring their original resident ID card, original real estate license, second-hand house sales contract, etc. Generally, a receipt will be received after delivery, and the buyer can ask the bank to issue a deposit previously supervised.

2. After getting the new real estate license, the buyer can go to the bank for mortgage procedures, and the bank will give the seller the balance of the second-hand house, while the buyer needs to repay the loan on time every month.

Eight, delivery.

1. Property, water and electricity, cable TV, gas, etc. are usually involved in the handover of the house when the buyer delivers the house. If the second-hand house has furniture and appliances, you need to confirm with the seller whether the other party needs to replace or move. It is best to stipulate "down payment" when signing the house sales contract, that is to say, the amount of home appliances and furniture should be deducted from the down payment from the buyer to the seller. Because if the furniture and appliances are damaged or have been removed when the house is handed over, it is generally difficult for the buyer to find the seller to claim compensation.

2. Regarding the handover of water and electricity, it is necessary to go to the management office, water affairs bureau, cable TV station, power supply bureau and other departments for handover. Buyers and sellers should prepare a copy of the real estate license and the original ID card. When the seller delivers the house and settles all the property fees, the second-hand house transaction process ends.

The second-hand house has passed the quality inspection and can be bought now, so it is deeply loved by everyone. The above is an introduction to the transaction process of second-hand houses in Kunshan. You can learn more about it. After buying a second-hand house for transfer, you can successfully complete the second-hand house transaction according to the process.

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