What procedures and certificates do you need to buy a second-hand house? What are the precautions?

What procedures and certificates do you need to buy a second-hand house? What are the precautions? Procedures and certificates required for the transfer of second-hand houses:

Sign a real estate sales contract (available at the local real estate trading center) first, and write down your agreement in the contract, such as how to pay and how to pay by installments. Generally, sign a sales contract and give him a 30% down payment, and then go to the real estate trading center for transfer, and pay 60% on the day of transfer. After you get the real estate license, give him the last 1%.

The transfer procedure is not complicated, as long as you have the original and photocopy of the ID cards of both parties, household registration book, marriage certificate, tax payment certificate, contract and real estate license, you can transfer the ownership. Note that both parties must be present to sign, and either party will entrust the notary office!

One-time payment means faster than the loan 1 month, and there is no difference in other things. The total time is to transfer ownership on the day of signing the contract (with all the information), get a new property certificate 20 working days after the transfer, and then pay the water and electricity bill.

In the purchase of second-hand housing, if we examine the following parts clearly, it is unlikely that there will be major problems.

1. Verify whether the property right is clear: the seller must be the owner of the house, and it can be verified by checking the property right certificate and the ID card of the owner.

2. Verify the housing situation: when looking at the house, we should start from the following aspects: housing construction, housing community and housing rights. Verification of these situations will help you control the actual cost and risk of the transaction.

3. Clarify the transaction process: Second-hand housing transactions can be divided into several steps, namely, house inspection, contract signing, down payment according to the contract, transfer, delivery and balance payment. Attention should be paid to these steps: keep the transaction evidence, transfer the ownership only when everyone on the property certificate is present, and check whether the other party has paid the property fee, water, electricity and gas fee when handing over the house.

4. Clarify the liability for breach of contract: Clarify the strict liability for breach of contract with the seller, which is the guarantee for both parties to perform the second-hand housing sales contract in good faith. In practice, small down payment punishment or simple "the breaching party should bear the losses of the observant party" lacks practical effect. House price fluctuation, insufficient funds, tax and fee reform, and one party delays or refuses to perform the contract from time to time. If some buyers think that the house price is too high or do not want to pay the transfer tax after signing the contract, they will delay the transfer formalities, resulting in the seller not receiving the balance in time after handing over the house; Some sellers found that house prices soared, saying that the sales contract without the consent of others was invalid and asked the buyer to return the house.

This information comes from: super broker network.

What documents and precautions are needed for second-hand housing loans? Intermediaries can't make mortgages. Only the law firm that signed the contract with the bank can do this business, and the intermediary only transfers this business to the law firm ceded by the bank.

In fact, every place and bank require different information.

Generally speaking: the bank will ask the seller to provide a bank account number (the same bank as you) for transfer;

Banks require buyers to issue proof of income or assets (to show that you can repay the loan);

Your bank account;

Household registration book, marriage certificate (some banks want it, some don't).

What procedures and documents do you need to prepare for buying a second-hand house? Property certificate and land certificate are definitely needed.

Property right verification is necessary. Get the property right certificate and check with the Housing Authority.

Check the quality of the house, it is best to make unannounced visits to other residents in the community, write down what you need to know, and then go to see the house;

For a property buyer, it is very important to look at the surrounding environment, the quality of the community, the quality of public security and the property situation;

Clear trading procedures, second-hand housing transactions can be divided into several major steps: looking at the house, signing the contract, giving the down payment according to the contract, transferring the ownership, handing over the house and giving the balance;

Defining the liability for breach of contract and the seller's strict liability for breach of contract is the guarantee for both parties to perform the second-hand housing sales contract in good faith, and what the other party promised to write into the contract can be well documented;

It is best to buy a 5-year real estate license, the area is less than 144, and it is best to be the seller's only house with the lowest tax.

What procedures and precautions should I go through to buy a relocated house? The problem of buying a relocated house is rather vague. I don't know if you want to buy a relocated house built locally or a second-hand relocated house that others have already bought.

Direct purchase of relocated houses must meet the purchase conditions of the local government for relocated houses.

If you buy a second-hand relocated house bought by others, under normal circumstances, this kind of house cannot be traded within a certain period of time.

What procedures and certificates do you need to buy a second-hand house? You need identification of both parties, house ownership certificate, household registration book, marriage certificate, certificate of no room, sales contract, transfer approval form and evaluation report, and then go to the housing management department for transfer registration.

What procedures and documents are needed to buy a second-hand house: ID cards and photocopies of both parties (if the owner is married, let him bring his wife), double certificates and purchase contract.

Cost:

1. Transaction cost: 50% for both parties. 6 yuan/m2.

2. Registration fee: paid by the buyer. 80 yuan

3. Cost of building ownership certificate: make one copy for free, and charge 10 yuan for each additional copy.

4. Stamp duty: 5 yuan/Ben (to be paid by the buyer).

5. Deed tax: paid by the buyer. Property rights for more than two years shall be exempted from transaction tax.

Matters needing attention in opening a laundry, what procedures and certificates are needed, and what procedures and certificates are needed to open a laundry?

In fact, to be honest, there are not many opportunities and times for dry cleaning in laundry. Many times, the number of washing is more than the number of dry cleaning. I run a small laundry. At first, I also listened to the advice of the general manager of Jie Yu, Australia. I suggest that it's best not to open it too big at first, because it's not necessary to open it so big, because the business may not be very good in the first two months 1 or two months, because the business in the first two months is mainly to accumulate capital customers, and the business will naturally improve later. Actually, to be honest, I haven't really used dry cleaning equipment for several years. My laundry is very simple, and it is very clean without rubbing bubbles, so the cost is not high, the machine is less than 20 thousand, and the profit is naturally high.

What are the procedures for buying a second-hand house? What are the precautions? Only 5 points, so many questions! ~

The problem of buying a house with a loan

See if the developer is compliant. Real estate developers should have the following "one photo, six certificates and two books": business license, qualification certificate of real estate development enterprise, pre-sale permit of commercial housing, property certificate only recording land use right, construction project planning permit and construction permit. Residential delivery permit, new residential quality guarantee and new residential instructions.

Ask yourself if you are qualified. Where the purchase of various types of commercial housing, housing reform, housing, affordable housing, second-hand housing are the scope of loan support. In addition, residents who decorate their own houses can also borrow money to buy them.

Calculate whether the wallet is thick enough. According to the individual housing loan method, the housing loan does not exceed 80% of the house price, which means you must prepare a down payment of 20%. If the purchase price is 6,543,800 yuan, you have to pay 20,000 yuan yourself; The purchase price is 200,000 yuan, and the down payment reaches 40,000 yuan. If it is a provident fund loan, it may be 90%. The more loans the better, and the less down payment the better. Of course, all this should be controlled within your debt capacity. Borrowers should be determined according to their own income. Generally speaking, after the monthly repayment, the borrower should be able to guarantee the most basic living expenses and necessary expenses, and the proportion of its residual income to the total monthly income of the family should be within a reasonable range. If the ratio is too high, the loan term should be shortened and the monthly repayment amount should be increased. If the ratio is too low, the loan period will be extended. For ordinary families, the proportion of surplus income to the total monthly income of families should be within 30%-50%.

Think about the future and set a deadline. If the loan term is less than 1 year (including 1 year), the repayment method of one interest at maturity shall be implemented; If the loan term exceeds 1 year, the borrower shall repay the principal and interest of the bank loan with the same monthly repayment amount within the loan term. The longer the loan term, the better, or short term? This mainly depends on the economic ability and investment preference of buyers. Generally speaking, the longer the repayment period, the higher the monthly repayment amount and the heavier the burden; On the contrary, the shorter the repayment period, the higher the monthly repayment amount and the heavier the burden. The purpose of extending the repayment period is mainly to reduce the monthly repayment amount.

To get a second-hand housing mortgage loan smoothly and successfully, consumers generally have to "take seven steps":

Step 1: Find the house you want to buy. The house must have clear property rights and meet the conditions stipulated by the government for entering the real estate market.

Step 2: Select a real estate transaction institution designated by the bank that can handle mortgage loan business, and complete the real estate value appraisal in this institution and pay the real estate appraisal fee.

Step 3: When applying for a second-hand housing mortgage loan, the borrower should fill in the loan application form and submit the following materials to the loan bank:

1. Identity certificate (resident ID card, household registration book or other valid residence certificate), education certificate and marital status certificate;

2. Proof of economic income and other property certificates, including deposit certificates and securities, can be provided selectively; The more comprehensive the above certification materials, the higher the score of the bank in the loan evaluation, and the better the conditions for the lender to enjoy the loan amount and time;

3. The purchase agreement signed by the buyer and the seller;

4. Proof of agreeing to mortgage the purchased house;

5. Having its own funds not less than 30% of the purchase price;

6. Other documents or materials required by the lending bank.

The Seller shall provide the following information:

1. Identity certificate and photocopy of the seller (including the owner) and proof of marital status;

2. The written document that the owner of the house agrees to sell;

3. The valid certificate and copy of the ownership of the house sold;

4. If the house has been rented, provide the supporting documents that the lessee agrees to sell;

5. Ensure that the houses sold meet the conditions for listing and sale.

Step 4: Fill in the application form for second-hand housing mortgage at the law firm designated by the bank. The lawyer will submit all the supporting materials to the bank for loan approval, review the authenticity, legality and compliance of the materials sent by the borrower and the borrower's credit standing, and be responsible for organizing the house price evaluation of the transaction house. The evaluated value will be used as the basis for the loan bank to determine the loan amount. Property buyers are required to pay a lawyer's fee of 4‰ of the value of the house purchased.

Step 5: The borrower signs a loan contract with the loan bank.

Step 6: Go through mortgage, insurance and other related guarantee procedures.

Step 7: The loan contract takes effect and the funds are transferred to the account designated by the borrower.

Provident fund loans can be up to 300,000 yuan.

You can buy as expensive a house as you want.

What precautions do you need to buy a second-hand house? The problems that should be paid attention to when buying second-hand houses are:

1. Whether the property right is reliable: Pay attention to whether the name on the property right certificate is consistent with the owner, the nature and content of the property right, including the area, address, the allocation ratio of the standard house, etc. At the same time, we should also check the original and check the authenticity of the property right certificate. In addition, we should know whether the second-hand house is a cost house or a standard house or an affordable house. The different nature of property rights relates to the complexity of the transaction process and the distribution of housing income, which ultimately affects the signing of the second-hand housing sales contract.

2. Whether the original unit is allowed to resell: It is necessary to confirm with the original property right unit whether the original unit agrees to transfer and the way of profit distribution. In the transfer of public housing purchased at standard price, there are problems of paying the cost at cost or sharing it with the original unit in proportion, and the buyer should be aware of it. In addition, the public houses produced by the army, hospitals and schools are generally in the same compound as the office buildings of the units, and the above units are generally classified as special units. Such public houses cannot be listed without consent.

3. Whether there is a private building: Pay attention to whether it occupies public space, whether it changes the internal structure of the house, and whether there are structural changes involving area calculation. These factors should be considered when purchasing, and the excess area should be excluded from the calculation of house prices. Of course, this needs to be specifically negotiated with the owner.

4. Confirm the accurate area of the purchased second-hand house: the building area is generally indicated on the property certificate, and the buyer also needs to know the usable area and the actual indoor area.

5, carefully observe the internal structure of the house, pay attention to whether the apartment is reasonable, whether there are too many pipelines, whether the second-hand house is decorated, in addition, the internal structure of the house is needed for future decoration.

6. Inquire about the management level of the property, including the content and level of providing services, the level of security, cleaning and greening, and the management of basic living facilities.

7. Investigate the municipal facilities of the house: mainly including water, cable TV, power supply capacity, wires, telephone lines, gas, natural gas, hot water and heating.

What are the precautions for buying a second-hand house? What's the procedure? Can you pay by installment? 1. When buying and selling second-hand houses, the matters needing attention are as follows:

1, whether the house formalities are complete (check the property ownership certificate, land certificate and deed tax certificate in some areas);

2. Whether the property right is clear and uncontroversial (whether there is mortgage, seizure, divorce, inheritance and ownership);

3. Whether the transaction house is rented (note: the sale does not break the lease);

4. Whether the land situation is clear (whether there is land mortgage, seizure, etc.). );

5, whether the municipal planning (whether in the red line of demolition);

6. Is the house legal (don't build it illegally, etc.). , and can not handle the transfer);

7, whether the unit housing infringement (welfare housing distribution, etc.). );

8. Whether it is in arrears with the cost of water, electricity and heating property, the household registration in the property must be moved (especially in the school district);

9. Whether the intermediary company violates the rules (choose the regular brand intermediary of the national chain to avoid the black-hearted intermediary from eating the price difference, etc.). );

10, whether the contract is clear (liability for breach of contract).

Second, the procedures for buying and selling second-hand houses are divided into two situations: the buyer's mortgage loan payment and the buyer's full purchase. The specific procedures are as follows:

(1) Procedures for the Buyer to purchase a house with mortgage loan

1. Bank credit (go to the People's Bank to check the buyer's credit);

2, housing property survey (survey whether the property is mortgaged, sealed, property analysis, inheritance, * * owners);

3. Pay the down payment to the seller and reserve the balance of the house payment;

4. When the house is transferred, the bank will review the loan conditions;

5. The bank issues loans to the seller's account;

6. Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out);

7. Pay the final payment to the seller.

(2) The procedure for the buyer to purchase the house in full.

1, property right survey (to investigate whether the property is mortgaged, sealed up, analyzed, inherited and owned by * * *);

2. The buyer pays the down payment to the seller;

3. Both parties shall handle the house transfer together;

4. Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out);

5. The buyer shall pay the seller in full.

Third, you can apply for installment payment when buying a second-hand house. Second-hand housing loan process is as follows:

1. After the buyer and the seller sign the house purchase contract and pay the down payment, they apply for a loan in the bank. Fill in the loan application form (if married, both husband and wife must come together, and unmarried can come alone), and the center staff will issue a loan commitment letter after examination and approval, which will serve as the basis for the buyers to handle the loan procedures;

2. To receive the receipt of the loan payment voucher of the loan contract with the original ID card, the required process is as follows: acceptance counter (accepting loan application)-safe (handling insurance)-signing counter (signing loan contract)-notarization counter (handling contract notarization)-signing counter (receiving loan contract);

3. After obtaining the loan commitment letter and handling insurance for the mortgaged house, you can sign a loan contract and mortgage contract with the bank with the above information, loan commitment letter, bank savings passbook and savings card to be used for repayment, and go through notarization procedures (if the buyer is married, both husband and wife must come together). If the husband and wife or one of them can't come to sign the contract in person, it is necessary to authorize the other party or a third party to handle the loan-related procedures on their behalf. The power of attorney must be notarized and the trustee has the right to entrust.