Does Xi 'an have to sell the house for five years?

According to the relevant policies issued by Xi Housing and Construction Bureau, second-hand houses can only be sold after five years of transaction, and second-hand houses in Xi 'an need to meet the conditions of real estate license for two years before they can be listed and traded. If the real estate license of the original owner of the purchased house has been handled for two years, it is not affected by the New Deal, or we can go through the formalities according to the old policy.

What is the transaction process of Xi 'an second-hand house?

1, property right review before sale.

For property buyers, the house is not well inspected, defective and uneconomical. If we have done enough preparatory work, this problem will not be a problem.

At first, we need to check the real estate license to see if there are any owners. If there are two people, they need to have their names at the back when signing the contract; Secondly, look at relevant evidence when buying a house, such as purchase invoices and deed tax invoices. As an auxiliary evidence to preliminarily confirm the ownership of housing property.

2. Pay the deposit and sign the contract.

Of course, after knowing the relevant documents and specific circumstances of the house, you still need to sign a house sale agreement with the seller, and you also need to pay the deposit. But don't ignore this little link, there are tricks to pay the deposit. The house is worth one million yuan, and a 5% deposit can reach 50,000 yuan. So please pay more attention when the transaction reaches this stage.

But there is a situation that needs attention, that is, if the house you buy is still mortgaged, then the deposit should not be delivered directly to the seller, but should be supervised by a third party. If both the buyer and the seller have a trusted third party, they can sign a simple agreement, stipulating to pay the down payment to the seller after the foreclosure is completed, and stating that "if the third party is given, it will be deemed that the seller has received the down payment, and the seller refuses to perform the contract on the grounds of not receiving the down payment, which will be regarded as a breach of contract".

3. Redemption of houses (repayment of loans).

Although the word "foreclosure" is simple, it contains a lot of knowledge. Different foreclosure methods have different costs, different mortgage time and different risks. Generally speaking, it is the owner's responsibility to redeem the building.

4. Pay down payment and fund supervision.

After the housing property right problem is solved, I think everyone will still worry about one problem, that is, the supervision of funds. Is the supervision fund safe? In fact, capital supervision has become a system at present, and buyers and sellers do it according to established regulations, with little risk. No matter how the transaction is conducted, the down payment must be supervised.

5. Sign a sales contract.

In the process of paying the deposit, the independent transaction can sign a "written agreement" first, which is very similar to the intermediary contract of the ordinary intermediary, but it lacks the intermediary part.

When signing a written agreement, we should mainly pay attention to five aspects, namely, property rights, total house price, transaction taxes and fees, transfer date and delivery time. What needs to be noted is that the written agreement should specify how the two parties share the transaction taxes and fees. The date is also very important, such as the time of deposit, transfer and delivery. Only by determining the date can the transaction be carried out smoothly.

After the down payment, you can sign a formal second-hand housing sales contract with Guotufangguan Bureau. The intermediary signs the second-hand house contract statement online through the company port.

6. Choose a bank and apply for a mortgage.

If it is not a one-time payment, the buyer still needs to go to the bank to make a mortgage loan. When applying for a loan in a bank, both buyers and sellers need to be present, and they should bring the original ID card, income certificate and sales contract. When I applied for a loan, I contacted the account manager of the bank directly through the appraisal company and said that I would take the property as collateral and he would help me with it.

7. Transfer and tax payment.

You need to go to the property registration center where the property is located to handle the transfer procedures. Buyers and sellers need to bring the original ID card, the original real estate license and the second-hand house sales contract. After general delivery, the owner can pay the down payment other than the loan after receiving the receipt.

8. Follow-up matters.

Delivery generally involves the handover of property, water and electricity, cable TV, gas, etc. If there are furniture and household appliances in the property, it needs to be verified whether they have been replaced or removed. Eventually, the owner will hand over the key and formally complete the transaction. The above-mentioned water and electricity handover requires buyers to bring a new copy of the real estate license to the property, water affairs bureau, cable TV station, power supply bureau and other departments for handling.