How to buy a second-hand house is the most reliable?

In recent years, second-hand houses are increasingly favored by buyers because of their mature peripheral facilities and high cost performance. With the popularity of the second-hand housing market, there are more and more disputes over second-hand real estate transactions. How do we stay away from the trading trap? Avoid trading disputes? Before buying a second-hand house, you must understand every process of the transaction! The transaction process of second-hand houses is much more complicated than that of new houses, including seven links: preparing to buy a house, choosing an intermediary, choosing a house, signing a house, paying the house price, paying taxes, transferring ownership, and handing over the house. Each link has matters needing attention. Let's talk about these seven important links in detail.

Step 1: Prepare to buy a house.

1, make a fund plan

To calculate your existing funds, you should know that the down payment ratio of second-hand houses is higher than that of new houses, determine the maximum amount you can borrow, and find out whether you are more suitable for commercial loans or provident fund loans. In addition, in addition to the house payment, there are taxes, agency fees, decoration fees and so on.

2. Preliminary selection of the purchase area.

According to the existing funds, choose the area to buy a house. If the down payment is small, you can give priority to relatively cheap areas such as suburbs and outer rings; If you consider being close to the workplace, you can choose an area within 30 minutes of bus or subway; If there are elderly people at home, consider the surrounding medical facilities. If you have children, you should study the ranking of the school and the equipment of teachers around you.

Step 3 check the qualifications for buying a house

At present, most cities in China have implemented the policy of "restricting purchases and loans", so before buying a second-hand house, you must first check whether I am qualified to buy a house, so as not to waste your effort.

Step 2: Choose an intermediary.

At present, most second-hand housing transactions are conducted through real estate agents, but they need to pay a certain intermediary fee. The general standard fee is 2%, and the floating range is generally 0.5%- 1.5%. Of course, the charging standards of each city are different, and the charging standards of each intermediary company are also different. Therefore, we must shop around, avoid being fooled by individual intermediaries, and try to choose a bigger and more reliable intermediary company. The reason why buyers and sellers choose an intermediary company as a trading agent is not only to obtain real market information, but more importantly, the intermediary company can provide a safe trading process.

The third step: look at the house and choose a house.

1, find a house

There are two ways to find a house: one is to find a house through an intermediary store, choose a store in your intended area, inform the broker of your budget and housing preference, and let them help you find a house, house, apartment type, house price, etc. That's more in line with your needs. Go on a field trip. The other is to choose your own house online. When choosing a house, you should pay attention to whether there are any flaws in the picture of the house and whether there is a big difference in price. Don't trust the online quotation. Before buying, it is best to find an inquiry from a nearby intermediary company.

Step 2 look at the house

After learning about the housing through an intermediary or online, you must make a field survey of the housing situation. Mainly including geographical location, living facilities (market distance, traffic conditions, medical facilities, school distribution, parking space ratio, etc. ), residential greening, property management, residential security and other environmental facilities, as well as the floor, apartment type, orientation, lighting, area, height, decoration of the house, as well as the years of property rights, room type, housing quality and reasons that cannot be ignored by the seller.

Property ownership: 70 years, 50 years, 40 years or other years, I know how many years have passed.

Type of housing: commercial housing, second-hand public housing (housing reform), housing for the needy, demolition housing, self-built housing, affordable housing and price-limited housing? If it is a commercial house, it is not limited to purchase, but the property fee will generally be higher; If it is affordable housing, it is necessary to pay the land transfer fee.

Housing quality: check whether there are problems in the exterior wall, roof, floor corridor and interior of the house, and check the housing quality.

Seller's reason for selling: To know whether there are any special circumstances involving the safety of life and property. If there has been a murder case or a serious theft case, you should seriously consider buying a house here.

Step 3 search for books

Search is to give you a preliminary understanding of the cancellation of the house, such as the owner, address, area and other information, whether there is a mortgage, whether it has been sealed up or planned, whether it can be bought and sold normally, whether it has a real estate license, whether it can be transferred and settled, etc., so as to ensure the vital rights and interests of buyers. In developed first-and second-tier cities, if you can't buy a house, it will affect your children's schooling.

There are two ways to search: (1) The owner must provide the cancellation name of the real estate license or the detailed address of the real estate to the intermediary for search. (2) The original real estate license and ID card of the industry manager shall apply to the Housing Authority.

Step 4: Sign the house purchase contract.

Verify the property right of the house again before signing the contract. Once the house is sealed up or mortgaged, it cannot be bought or sold. Check whether the property owner's ID card is consistent with the real estate license. If not, see if the other party can provide a notarized power of attorney and the original ID card of the property owner.

After negotiation between the buyer and the seller and the intermediary, in the signed contract, the purchase requirements must be filled in detail, such as: total house price, deposit amount, down payment amount, payment method of house price, delivery specification, delivery time, transfer time and conditions, transfer time of original account, house area, disposal method of equipment in the house, etc. When necessary, relevant supplementary agreements shall be signed to clarify the liability for breach of contract between the buyer and the seller, the handling method in case of breach of contract and the payment amount of liquidated damages.

Step 5: Pay the house price.

Make clear the payment method, full payment or loan. If it is a loan, you need to specify the payment method of the down payment. If the homeowner needs the buyer's down payment to pay off the bank loan, then the buyer's down payment generally does not take the form of fund supervision (it is more troublesome to walk), that is to say, the buyer directly pays the down payment (or part of it) to the homeowner, so that he can pay off the loan first (it is recommended that the buyer and the homeowner go to the bank to repay the loan together) and cancel the mortgage of the house. Only then can the buyer continue to use the house as collateral to apply for a loan. In case of the above situation, please clearly stipulate the payment method, purpose and amount of the down payment in the contract. The contract and receipt are in triplicate, one for the buyer and one for the intermediary. It is generally not recommended to buy a second-hand house with a housing loan, because unless there is an intermediary to help deal with it, it is more prone to problems.

Step 6: Pay taxes and transfer ownership.

Before paying taxes, we must first understand the tax items of different housing types. Deed tax, value-added tax and individual tax to be paid for second-hand commercial housing; Second-hand merchants need to pay deed tax, value-added tax, group income tax, stamp duty and land value-added tax.

After paying taxes, you can handle the transfer, operate according to local policies, or consult an intermediary company or let an intermediary company handle it on your behalf.

Step 7: Property Delivery

When the house is delivered, the delivery time of water, electricity, property, heating and other expenses should be clearly defined in the contract. Handover items include water, electricity and gas inspection and fee settlement, heating agreement change and heating fee settlement, property agreement change and property fee settlement, cable TV transfer and cable TV fee and telephone fee settlement, original account demolition, indoor equipment delivery, etc. If it is a second-hand public housing transaction, the payment time and standard of property, heating and other expenses, whether the seller's unit has requirements and what work to cooperate with the seller should be clearly written in the transaction contract.

If you have any good suggestions on buying a second-hand house, please leave a message!