What are the risks of demolition of second-hand housing transactions? What are the precautions for the sale of second-hand houses?

There are risks such as unclear property rights, long transaction time and taxes in the transaction of second-hand houses to be demolished. Although the price of second-hand houses is much cheaper than that of new houses, the parties concerned must choose the formal second-hand housing market for transactions. For more information about the risks of second-hand housing transactions to be demolished, Bian Xiao will answer your questions.

1. What are the risks of the second-hand house transaction to be demolished?

1, unclear property rights. Many resettlement houses may not have obtained the title certificate when they are sold, so it is not clear who is the property owner in the end. It is possible that the seller who signed the sales agreement did not sign it, but signed it, which led to problems in the validity of the sales contract and caused real estate disputes.

2. The transaction time is long. Generally, the transaction time of resettlement houses will be longer, so there will be more unforeseen risks in the process of buying and selling. For example, as mentioned above, it takes five years for the seller of the first-class resettlement house to transfer ownership, and there is also a great possibility of unforeseen factors and disputes, such as the seller's breach of contract, the seller's death, the house being mortgaged and sealed up, which will bring some thorny troubles to the buyer.

3. Tax risks. Many resettlement housing sales contracts do not stipulate the subject and method of tax payment, or because the sales period is long and new taxes and fees are generated due to changes in national policies, which may lead to disputes between buyers and sellers due to tax and fee disputes. In addition, when the resettlement house is transferred, it may be necessary to pay land income and other related prices, and both parties should also make a clear agreement on this to prevent unnecessary disputes in the future.

Second, what are the precautions for the sale of second-hand houses?

1, property right review before sale. Look carefully at the owner's real estate license and pay attention to the signatures of several people on the real estate license. If there are two people, they need to have their names at the back when signing the contract; Secondly, look at relevant evidence when buying a house, such as purchase invoices and deed tax invoices. As an auxiliary evidence to preliminarily confirm the ownership of housing property.

2. Pay the deposit and sign the contract. If the house you like is still under mortgage, it's best not to give the deposit directly to the owner, but to be supervised by a third party. Generally speaking, an appointment sales contract will be signed when the deposit is paid.

3. Redeem the building. Generally speaking, it is the owner's responsibility to redeem the building. There are two ways to foreclose: first, the owner borrows from the bank through the guarantee company, generating 0.8% guarantee fee and 0.4% short-term foreclosure interest, and then goes to the bank for mortgage after the buyer's real estate license comes out; Secondly, the buyer mortgages the bank through the guarantee company, and the bank pays the ransom to the seller, which only needs to generate the guarantee fee, but the buyer needs to pay the mortgage in advance.

4. Pay down payment and fund supervision. At present, capital supervision has become a system, and buyers and sellers do it according to established regulations, with little risk. No matter how you trade, the down payment must be supervised by the bank.

5. Sign a sales contract. After the down payment, you can sign a formal second-hand housing sales contract with Guotufangguan Bureau.

6. Choose a bank and apply for a mortgage. If it is not a one-time payment, the buyer still needs to go to the bank to make a mortgage loan. When applying for a loan in a bank, both buyers and sellers need to be present, and they should bring the original ID card, income certificate and sales contract.

7. Transfer and tax payment. You need to go to the property registration center where the property is located to handle the transfer procedures. Buyers and sellers need to bring the original ID card, the original real estate license and the second-hand house sales contract. Generally, after delivery, the owner can ask the bank to put the previously supervised deposit in after receiving the receipt.

8. Follow-up matters. Delivery generally involves the handover of property, water and electricity, cable TV, gas, etc. If there are furniture and household appliances in the property, it is necessary to verify whether they have been replaced or removed. Finally, the owner will hand over the key and formally complete the transaction.

3. What is the process of second-hand housing transfer?

1. The transfer of second-hand houses requires both parties to bring relevant certificates; 2. The formalities that the seller needs to provide include: personal identity certificate and photocopy, real estate license, marriage certificate, household registration book, written power of attorney of the property owner, etc. 3. The information that buyers need to provide includes: personal identity certificate and copy, household registration book.

Bian Xiao's warm reminder: Try not to buy a second-hand house to be demolished, which is not stable. The above content is Bian Xiao's knowledge about the risks of second-hand housing transactions to be demolished, which I hope will be helpful to your work and study.