Purchase process in Chaohu, Anhui

Pay attention to the following points when buying second-hand houses:

First, whether there is a private construction part. For example, the situation of occupying roof platforms and corridors, or whether there is a small attic in the house; Whether there are any changes in the internal and external structure of the house, such as changing the balcony into a bedroom or kitchen, and dividing a room into two rooms. And whether the balcony is closed by the owner himself, which involves the problem of how to calculate the area.

Second, confirm the exact area of the house. Including the building area, usable area and the actual area of the room, the building area is generally indicated on the real estate license. The safest way is to test the area from one corner to another in the house, which is the so-called carpet area.

Third, observe the internal structure of the house. Whether the apartment type is reasonable and whether there are any shortcomings that are particularly unsuitable for living; Whether there are too many pipelines and unreasonable wiring; Whether there are signs of water seepage in the ceiling; Whether the wall has obvious problems such as bursting and peeling.

Fourth, the evaluation of housing municipal facilities. Turn on the tap and observe the water quality and water pressure; Turn on the TV to see if the image is clear and you can watch several programs; Confirm the power supply capacity of the house to avoid the embarrassment of air conditioning in summer; Observe whether indoor and outdoor wires are aging; Whether the gas has been converted into natural gas; Is there hot water supply in the community, or is there a water heater in the house itself? Supply and charge of heating in winter, whether the number of radiators is enough, and whether the heating temperature is enough.

Fifth, understand the present situation of decoration. Whether the original house has been renovated, the level and degree of renovation, and whether it needs to be completely destroyed; Understand the internal structure diagram of the house, including the pipeline direction and the location of the load-bearing wall, so as to redecorate.

Sixth, the level of property management. How to collect the water, electricity and coal heating fee, whether it is collected at home or paid by yourself; Whether to go out in the middle of the night; Observe the brand, speed and management of elevators; Observe the cleanliness and layout of public corridors; Whether the community is closed; What is the security level? Observe the number and sense of responsibility of security personnel. How is the greening work in the community? What services does the property management company provide?

7. Understand the future cost of living. The prices of water, electricity, coal and heating; The collection standard of property management fees; The parking fee.

The history of the old house. What year was it built and how long is the land use period? Who lives, what background, what purpose; Whether there have been any adverse events such as owing money or theft; Whether the fees of the property management company and the fees of water, electricity, coal and heating are owed.

Nine, neighborhood integration. Good neighbors will make your life happy. Go to the community at different times to see people coming and going, and judge people's social class through clothes and life rules; Visit neighbors up, down, left and right to find out whether they are comfortable living here; Chat with the staff on duty in the neighborhood Committee or the reception room to understand the situation.

In addition, we should also understand:

First, property rights-whether the original unit is allowed to resell; Confirm whether the public housing purchased at the standard price has been supplemented at the cost price or distributed to the original unit in proportion; When most public houses are restructured, the original unit reserves the priority to buy back, and it is necessary to confirm whether the original unit agrees to sell; Generally speaking, public houses produced by military products, hospitals and schools must be sealed by the original unit before they can be sold; Pay attention to whether the owner and seller on the real estate license are the same person; Find out whether it is a cost room, a standard room or an affordable room; Whether the area confirmed by the property certificate is inconsistent with the actual area; Be sure to check the original title certificate and check the authenticity of this title certificate with the Housing Authority; Confirm the integrity of property rights, whether there is mortgage (including private mortgage), * * * someone, etc.

Second, buying a house-keep abreast of changes in procedures, fees and procedures. Public housing listing is a new thing, so we should be psychologically prepared and keep abreast of policy changes; Media reports are very concerned about the listing of public houses, and should pay attention to the new news in the newspaper; Consulting lawyers and intermediaries; The most reliable thing is to consult the relevant housing management departments and keep abreast of the latest information.

Third, is the house worth this price-judging the value of the house by repeatedly comparing the high-rise public houses; Entrust a trustworthy intermediary company or evaluation firm to conduct evaluation; When banks provide mortgages, they will evaluate the value, which can be considered as the lowest value of the house.

Fourth, can you do second-hand housing mortgage-the conditions for second-hand housing mortgage are: 18 years old, with urban hukou; Can provide proof of stable income and payment of principal and interest; Willing to buy a house as collateral, or able to provide other eligible mortgage loans; The ownership of the purchased house is true and reliable; Pay the relevant handling fee.

5. Should you hire a lawyer? The situation of buying and selling second-hand houses is more complicated than that of commercial houses, and it is more reliable to have lawyers to provide advice. Public houses have not been listed for a long time, there are not many lawyers who can provide this service, and the charging standard is uncertain; It is suggested to invite lawyers who are familiar with the business as much as possible as comprehensive consultants.

Sixth, whether we should find an agent bank-the second-hand housing information of the agent bank should be comprehensive, but the accuracy of the information needs to be verified; Before handing over your business to the correspondent bank, you should know: What services does the correspondent bank provide? Can I help you with the second-hand house mortgage? If there are problems in the process of buying and selling, does the correspondent bank have the obligation and ability to compensate for the losses? What is the service fee standard of the agent bank? Can you guarantee to buy a satisfactory second-hand house?

7. What kind of intermediary to choose-a reliable intermediary must provide two certificates: a valid business license and an intermediary qualification certificate issued by the Housing and Land Administration; The qualification certificate is issued by the industry management department and plays a more important role in ensuring the reliability of the correspondent bank.

8. Handover of house payment and property right-don't trust each other's reputation casually. It is an important issue to pay first and then transfer or transfer first and then pay; You can consider putting the house payment in a single place that both parties can trust, such as a law firm or a reputable agency, and then transfer the house payment to the seller's account after the transfer is completed.

Nine, property transfer-must go through the transfer formalities at the local housing and land administration, with agents, lawyers, notarized guarantees, etc. Not considered to have completed the transaction process; From the point of view of buying a house, this house really belongs to you only when the property right is over. Before this, the seller can break the contract at any time.

There are many problems to pay attention to when buying a second-hand house. Here are a few simple words:

1, pay attention to whether the ownership of the house is true, complete and reliable. Whether the owner of the house has a "* * * right" relationship with others, and whether the house has a dispute over creditor's rights and debts. Most importantly, the seller must provide a legal "Property Ownership Certificate".

2. Pay attention to whether the purchased second-hand house is a house that is allowed to be sold. Because * * * has a housing "housing reform" when selling a house, some units still retain the preemptive right. In this case, we must negotiate with the original property unit, agree in writing to transfer the purchased house, and sign it.

3. Pay attention to the accurate area of the purchased second-hand house. Verify whether the area marked in the Property Certificate is consistent with the actual area, and consider the location, environment, price, housing structure, pattern, lighting conditions, property, etc., and clearly handle the prescribed procedures for purchasing second-hand houses.

4. Sign the contract carefully. If you can't get it, don't rush to write it. Because the sale of second-hand houses is also regulated by the contract law, once it is put down, it will have legal effect and bear legal responsibility.

About the transfer procedures of second-hand houses:

After the signing of the house sales contract, you should go to the city real estate trading center to register the transfer of private houses, and the procedures are as follows:

(1) Information to be submitted

(1) Property Ownership Certificate;

(2) Sales contracts;

(3) Original and photocopy of ID cards of both parties;

(4) Application for registration of house ownership (received at the acceptance window).

Note: 1. If the company purchases a private house, it must also submit the original and photocopy of the qualification certificate (business license or organization code certificate) of the legal person or other organization, the power of attorney of the legal representative of the company (collected at the acceptance window), and the original and photocopy of the trustee's ID card;

2. If the house is not transferred, the land use right certificate shall be submitted;

3. If the parties can't handle it in person, they need to issue a power of attorney or a notarial certificate, and the client needs to issue an identity card;

4. If the house has been rented and the lessee is not the lessee, submit the certificate that the lessee waives the preemptive right;

5. If there is a * * * owner, a certificate that the * * * owner agrees to sell and a certificate of ownership of * * * are required;

6. If the judgment is made by a court, a notice of court judgment and assistance in execution shall be issued.

(2) Flow chart: collect the form at the collection window-deliver the certificate at the collection window-deed tax, pay the tax at the charging window-check the certificate and get the certificate at the issuing window.

(3) charging standards

1. Transaction cost: 50% for both parties.

① Residence: stock room 6 yuan/m2;

② Non-residential: 10 yuan /m2.

2. Registration fee: paid by the buyer.

① Residence: 80 yuan/suite;

② Non-residential:

80 yuan/Zong below (1) 100 m2;

(2) below100-500 (including 500) square meters 120 yuan/box;

(3) 500- 1500 (including 1500) square meters of 200 yuan/section;

(4) 1500-3000 (including 3000) square meters 300 yuan/box;

(5) 3000- 10000 (including 10000) square meter 500 yuan/box;

(6) 800 yuan, with an area of10000m2.

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.

(1) residence: individual purchases are paid at 65438+ 0.5% of the real estate transaction amount, and unit purchases are paid at 3% of the real estate transaction amount;

② Non-residential: 3% of the real estate transaction amount.

(four) to receive the real estate license, you need to carry documents.

1. Invoice with tax paid;

2. Individuals need to hold the original ID card of the property owner when buying a house, and units need to hold the original ID card of the client when buying a house;

3. List of receipts.

Note: The property owner must be present when receiving the house certificate. If the property owner cannot be present, a power of attorney or notarial certificate shall be submitted.