I love my second-hand house transaction interview. Is it normal that the location is not in the bank?

There is no rule that the trading place must be in the bank, and it can be anywhere agreed by both parties.

The process and precautions for purchasing second-hand houses are as follows:

First, the transaction process is divided into full purchase and mortgage purchase.

(1) The Buyer borrows money to purchase the house.

1. Bank Credit Information (go to the People's Bank to check the buyer's credit information)

2, housing property survey (survey whether the property is mortgaged, sealed up, property analysis, inheritance, * * owner)

3. Pay the down payment to the seller and keep the balance of the house.

When the house is transferred, the bank will review the loan conditions.

5. Banks issue loans.

6. Both parties will jointly deliver the property.

7. Pay the final payment to the seller.

(2) The buyer purchases the house in full.

1, property right survey (survey whether the property is mortgaged, sealed up, analyzed, inherited and owned by * * *).

The buyer pays the down payment to the seller.

3. Both parties shall handle the house transfer together.

4. Both parties will jointly deliver the property.

5. The buyer shall pay the seller in full.

Second, in the process of buying a second-hand house, the matters needing attention are as follows:

1, whether the house formalities are complete (check the property ownership certificate, land certificate and deed tax certificate in some areas)

2. Whether the property right is clear and uncontroversial (whether there is mortgage, seizure, divorce, inheritance and ownership).

3. Whether the transaction house is rented (note: the sale does not break the lease).

4. Whether the land situation is clear (whether there is land mortgage, seizure, etc.). )

5. Does the municipal planning affect (whether it is within the relocation red line)?

6. Is the house legal (don't build it illegally, etc.). , so you can't handle the transfer).

7, whether the unit housing infringement (welfare housing distribution, etc.). )

8. Whether the property fee for water, electricity and heating is in arrears, the account in the property must be moved (especially the school district).

9. Whether the intermediary company violates the rules (the black-hearted intermediary eats the price difference, etc.). )

10, is the contract clear (liability for breach of contract)