How to buy and sell houses without an intermediary? Please come and give me some advice!

There are specialized workers in the industry, and it is normal not to understand the process. The easiest way is to find an intermediary to handle the transfer. Shenzhen is generally 3000 yuan.

1, in addition, you have paid the deposit, but have you signed the sales contract? If not, why did you give him a deposit? Did the landlord give you a receipt for another deposit? If there is neither the contract owner nor the receipt, then theoretically you are at greater risk now. Of course, don't be too nervous. Since you dare to give money to the owner, you should get to know each other and generate some trust. At this point, I still want to scold you and boast that I am a graduate student. You can give money to others without legal knowledge, awareness of self-protection and information about the house. Is that how graduate students do things? Not even a street vendor! If the contract is not signed, take the owner's real estate license or a copy of the real estate license and the bank mortgage contract to the Land and Resources Bureau to check, where there will be information on the property status, indicating whether the house has been mortgaged or whether the house has been sealed up; If the house is sealed up, then the house cannot be traded! Even if the owner has a real estate license, it may be seized, so it is necessary to check the files, which is the premise of the transaction.

2. Applying for a mortgage is not complicated. You two can choose to pay 30 years a month when you first start work. Based on the two-tier down payment, your monthly payment is almost 2000 yuan, which should be affordable. Of course, if the down payment is high, the monthly payment will be relatively reduced. It's almost the same to find any bank, because the interest rates of banks are the same. In addition, the first time you buy a house, you can enjoy a 30% discount on the bank benchmark interest rate.

The procedure is complicated, don't mention it, just find a regular bank to fill in any information and provide any documents or certificates, and don't ask why, it's a rule anyway!

3. Your real estate has different tax standards and types under different real estate conditions, and buying a 500,000 house is not based on 500,000. Bring the real estate license, and before calculating the taxes and fees, know the area of the house, the original purchase price of the house, the purchase time of the house, the property rights of the house and other information clearly. However, for a 500,000 house, I expect the tax will not exceed 1 000. There is also a mortgage on the house, and the cost will increase, but it is reasonable for the owner to pay for this part of the cost, depending on how you negotiate.

Finally, according to your understanding of the house, I judge that the house is run by your parents or family. If so, don't waste your brain. You don't know anything, so stay out of it.