What is the transaction process of buying a second-hand house?

1. The buyer and the seller reach a trading intention.

First of all, you should choose the house you want to buy according to your actual situation, and then go on a field trip. If you want to buy, you can start talking with the seller and reach a preliminary agreement on the transaction price, method and cost division. But don't forget, you have to check the other party's real estate license and water and electricity payment records.

The buyer applies for a loan from the bank.

If you want to apply for a loan, you must first consult the relevant business with the bank, and then apply for the initial loan evaluation, so that you can know the loan amount you need to apply for. Generally speaking, the bank needs to evaluate the value of the second-hand house you want to buy.

3. The buyer and the seller sign the real estate sales agreement.

After reaching an agreement with the seller on various matters, you can go to the relevant departments to sign a real estate sale agreement.

Step 4 pay a down payment

After that, you can take the signed real estate sales agreement and other related materials to the bank to formally apply for a loan.

5. Sign the loan contract face to face

After your application is approved by the bank through a series of procedures, you will be informed to sign a loan contract and pay other relevant loan guarantee procedures.

6. Handle the transfer and guarantee procedures.

You can go through the formalities of transfer and guarantee in relevant departments.

Step 7 lend a loan

After going through a series of formalities in the bank, you will be officially granted the corresponding loan.

Matters needing attention in buying a second-hand house?

1, pay attention to verify the property rights of the house.

Property right verification should be a 1 step of buying a house, but few people can actually implement it in practice. In fact, it is not difficult to investigate the property rights of second-hand houses. After all, there are many types of second-hand housing property rights, such as commercial housing, public housing and affordable housing. Different types have different policies when purchasing.

Don't pay the deposit in a hurry.

It is unwise to pay the deposit rashly without knowing the overall situation of the second-hand house you want to buy. Because according to the contract, if the buyer goes back on his word and doesn't buy it, the deposit is not refundable. So, unless you know the house very well, don't pay the deposit in a hurry. After all, the house is not unique, there is no need to rush to clinch a deal.

Don't just look at one side and ignore the others.

Many people tend to make a mistake when looking at houses, that is, they only pay attention to one aspect and ignore other aspects, which is not advisable when buying second-hand houses. For example, when encountering a cheap price, I forgot to verify the reason for selling the house or the apartment type; Take a fancy to the good landscape of the community but forget the pressure brought by the ultra-high property fees and so on. As a property buyer, you should always keep calm, and don't just buy a house according to one-sided preferences.

4. Don't trust the quotation easily.

The transaction price of second-hand houses is very high. At present, most of the house prices on many real estate websites are not the real price of the house. Intermediaries usually attract customers at low prices, which will not only delay buyers' purchase time, but also disrupt their purchase budget.