What should I pay attention to when buying a second-hand house?

When buying second-hand houses, the most important thing is to carefully examine the integrity and reliability of housing property rights.

First, the seller is required to provide the original legal property right certificate, and go to the housing management department to inquire about the authenticity of the property right certificate, as well as the property right source and property right record of the purchased property. Including the owner, registration date, transaction price, etc. It is also necessary to confirm the integrity of the seller's property rights and know whether the purchased house has been mortgaged and shared with others. Pay attention to whether the owner and seller on the real estate license are the same person. Secondly, it is necessary to find out whether the source of the purchased house belongs to the house that is allowed to be sold. Generally speaking, the public houses of troops, hospitals and schools must be sealed by the original unit before they can be sold.

Unlike commercial housing, the sale of second-hand housing is generally a "case". Therefore, related prices, housing conditions, etc. , all need consumers themselves or their own entrusted institutions to understand in detail. Before deciding to buy, consumers should carefully observe whether the apartment is reasonable, whether all kinds of management are in place, and whether the power supply capacity can load large household appliances such as air conditioners. Check the ceiling for signs of water seepage, and the walls for obvious problems such as bursting or peeling. Some even ask about the level of community security, property management fees and charging standards. In addition, consumers must not forget to know how long the house has been purchased and how long the land use period is; Are there any arrears, such as property management fees, utilities, gas fees, etc.

On the basis of mastering the basic situation of housing, consumers should compare and judge the value of second-hand housing from many aspects. You can also entrust a trusted intermediary or evaluation agency to evaluate whether you can make a second-hand housing mortgage loan. Under normal circumstances, banks will make a hedging assessment when mortgage loans, and this price can show the lowest hedging price of houses.

Finally, I remind you that if you buy a second-hand house, don't trust the other party. You must go through the transfer formalities legally and thoroughly. Second-hand housing must be handled by the housing and land management department to truly change the owner, and the guarantee and notarization of any other unit are not regarded as completing the transaction.

Four Skills of Selecting "Second-hand House"

Housing has become a commodity, and "second-hand housing" transaction will become the most active part in the whole real estate transaction market. At present, the country has begun to increase the promotion of second-hand housing transactions, so the second-hand housing transactions will gradually become active, but the sale of "second-hand housing" is not as clear as buying a new house, so special attention should be paid to selection.

Find out the status of property rights

"Second-hand housing" mostly becomes personal consumer goods with the commercialization of housing, and its "identity" is complex, so it is very important to understand its property rights. The buyer's first step is to ask the seller to provide property certificate, identity certificate, qualification certificate and other documents; The second step is to inquire about the property source and records of the purchased property from the relevant real estate management department, including the owner, file number, registration date, transaction price, etc. The third step is to check whether the house has a debt burden. In addition, buyers also need to know whether the purchased house is mortgaged and whether it has been sealed up by the court.

Special attention should be paid to houses with disputed or partial property rights (such as public houses purchased at standard prices), and those with property rights, unclear property rights and no property rights, even if the house is no better, will not get the property certificate after the transaction.

See the building structure clearly

The structure of "second-hand houses" is usually complicated, and some houses have been rebuilt many times, and the structure is generally poor.

When buying, we should not only know the age when the house was built, whether the existing construction area and usable area are consistent with those indicated on the property certificate, whether the layout of the house is reasonable, and whether the facilities and equipment are complete and intact. , but also to study the structure of the house in detail, to understand whether the house has damaged the decoration of the structure, whether there are hidden dangers such as selfless construction and reconstruction leading to damage to the main structure. To this end, you can go to the archives room of the housing management department to check the original files, look at the drawings and materials, and dispel doubts.

Investigate the environment and supporting facilities

Old houses are generally located in urban areas, with high building density, and the surrounding environment has been formed for many years, which is generally difficult to change. It is necessary to carefully investigate whether there are pollution sources around the house, such as noise, harmful gases, water pollution and garbage. , as well as the surrounding environment, community security, hygiene and cleanliness. The survey of housing facilities mainly includes: water quality, water pressure, power supply capacity, gas supply, heating and charging standards, TV reception clarity, etc. Visit the neighbors and have a deeper understanding of the environment and convenience here.

Understand the situation of property management

The investigation of property management mainly focuses on the reputation of property management enterprises and the degree of service in place, depending on the basic quality of security personnel, the professional level of security equipment and management personnel, service attitude, whether the environmental sanitation and greening of the community are clean and comfortable, whether all facilities and equipment are in good condition and whether the operation is normal. We should also know the standard of property management fees, the prices of water, electricity, gas and heating, the charging standard of parking spaces and so on. And find out whether a special fund for the maintenance of public facilities and equipment and public parts has been established, so as to avoid paying huge maintenance costs in the future and being unable to bear them. Many public houses have fallen into a state of "nobody cares" after being sold, so we should choose carefully.

Bargaining skills of second-hand houses

At present, the transaction of old houses is becoming more and more active. Consumers should master certain skills in the process of buying houses to avoid wasting more money.

Due to years of wear and tear, the quality of old houses has declined, so it is difficult to accurately estimate their prices. In order to be in a favorable position when bargaining, buyers should grasp the situation of the house in advance. We should fully understand the weakness of the house, find out how long it has been on the market, why it should be sold, try to find out how many people bid and how much, and find out what additional conditions the seller has, how to pay, and whether it is installment payment. It is best to find out why the seller sells the house, the period when it must be sold, the purpose of the house payment and the real price when buying the house that year. With the above information, you can give reasons for bargaining as appropriate.

When bargaining, we should expose the shortcomings of the old house, such as poor environment and aging equipment, so as to force the seller to reduce the price. For old houses that can't be sold for a long time, tell the owners that the selling price is too high, which will hurt their self-confidence. If you know the seller's last necessary date, you can use delaying tactics, while bargaining, while delaying time, and when the necessary date approaches, take advantage of the seller's eagerness to sell and wait for an opportunity to bargain.

You can also let acquaintances come forward through friendship and find out the bottom price standard acceptable to the seller. In order to keep yourself in an active position, you should listen more and talk less when bargaining, especially don't ask for money easily, and stick to the principle of not asking for money until the last minute.

In addition, in order to alleviate the seller's defensive psychology, it is best to tell the seller frankly when bargaining, and the purpose of buying a house is for personal use, not for others, so as to avoid the seller deliberately not giving the price for fear that the real estate agent will intervene in profit.

Four steps of second-hand housing security transaction

The first stage of psychological preparation

In view of the current irregular real estate intermediary market, do you want to do the transaction yourself or find a qualified and reputable real estate intermediary company? If you find your own customers, you must first have leisure time; Second, you should have more professional real estate and legal knowledge; Third, we should have a good attitude and patience. Because the process of bargaining may be long and difficult.

Why don't you try the agency? But when looking for an intermediary company, we should pay attention to whether it is qualified, reputable and standardized. You can call to see the quotation and the company's service attitude. You can also visit the company in person, or ask the sellers around you about the evaluation of the intermediary company. Finally, you can choose a company agent.

How much do you want to sell? This is the owner's greatest concern. How to determine the house price, you should make an evaluation of your own property.

The second stage of market research

Look at the area where your property is located, whether the surrounding environment (including culture, sports, hospitals) and living facilities are perfect, and whether the road traffic conditions are good.

The age when the house was built, the living environment, the structure, orientation and floor of the house are all factors that affect the house price. Owners should know the advantages and disadvantages of their own houses in order to achieve the ideal expected value.

The third stage of housing transaction

All sellers hope to sell their houses as soon as possible. Therefore, many companies are often found, and each company takes customers to see the house. In the meantime, there are salesmen of various companies, buyers who want to get rid of the intermediary, and many lawless people with ulterior motives. The landlord is accompanying the house every day, bargaining, and constantly calling, and his spirit is highly nervous. It is suggested that the seller first inspect the company's reputation, sign an agency agreement with the intermediary company, and then the intermediary company will send someone to take charge of it, recommend the house to the customer in a targeted manner, organize the house inspection, find the buyer as soon as possible, and help with the relevant procedures of transfer, saving the seller a lot of time and energy, which is safe, reliable and fast.

The fourth stage of property delivery

Under normal circumstances, you should get all the house payment on the day when you hand over the house and handle the property registration and transfer. If the house cannot be delivered on time, part of the house payment will be withheld according to the situation and paid when the house is delivered. The payment time is clearly stipulated in the contract. Many sellers may want to sell their houses and get the house payment, and the rest has nothing to do with me. As we all know, if the buyer deliberately fails to pay the heating fee and property management fee and sign the relevant contract with the other party, then the charging department will often look for the original owner, especially the original property unit. If this is not good, it will affect your reputation. If you find an intermediary company, you will save these troubles.