Hefei second-hand housing transaction process

First buy a house to inquire about information and see the house on the spot.

Establish information communication channels with sellers through newspapers, internet and other media resources. On-the-spot house inspection, on-the-spot inspection and price negotiation determine the intention to buy a house, and at the same time require the seller to provide corresponding legal documents, such as house ownership certificate, ID card, household registration book and other documents.

Second, sign a second-hand housing sales contract.

After the price is agreed, the transaction intention is confirmed, and the seller provides the corresponding legal documents of the house, the buyer can pay the house purchase deposit. It is worth mentioning that paying the house purchase deposit is not a necessary procedure for the sale of commercial housing. After consultation and communication, both parties signed at least three house sales contracts.

Three. Both parties should go through the loan formalities at the loan bank.

If the buyer needs a loan to buy a house, after the buyer and the seller reach an intention, the loan bank will appoint an appraisal company to evaluate the house to be traded by both parties and confirm the loan amount. After the two parties sign the house sales contract, the buyer and the seller need to go to the loan bank to handle the loan formalities together.

After the bank approves the credit of the loan applicant, it will notify both parties to complete the property right change. After receiving the property right certificate, the buyer must apply for another certificate of rights accompanied by the bank. After the certificate of other rights is issued, the bank will issue the loan to the owner in one lump sum.

Four. Both parties shall go through the transfer formalities at the Property Rights Exchange Center.

After the contract is signed, the buyer and the seller apply to the real estate trading center for review. For houses that meet the listing requirements, the relevant departments will allow the transfer procedures, and those that have no property rights or some property rights without the written consent of other property owners will not be handled, and listing transactions are prohibited.

5. Pay relevant taxes and fees.

The tax composition of second-hand houses is relatively complex, depending on the nature of the houses traded. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.

Six, the two sides to the property rights trading center for property rights procedures.

After the buyer and the seller complete the registration of property right change, they will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate.

Seven, pay off the balance to complete the transaction.

The transaction is completed after the buyer pays off the house price and the seller delivers the house and settles all expenses (including water, gas, electricity, heating, property and cable TV fees). ) Before the delivery date.

Matters needing attention in buying a house

1. Is the house complete?

The real estate license is the only proof that the owner owns the house. There is a great risk for the buyer not to get the house if he conducts the house transaction without the real estate license. The owner can mortgage or resell the real estate license, even if it is not obtained in the future, the owner can mortgage and resell it. Therefore, it is best to choose a house with real estate license for trading.

2. Is the property right of the house clear?

Some houses have multiple owners, such as heirs, families and couples. To this end, the buyer should sign a house sales contract with all owners. If only some * * * people dispose of the property owned by * * without authorization, the sales contract signed by the buyer with other * * * people is generally invalid.

3. Is the trading room rented?

Some second-hand houses have a material burden when they are transferred, that is, they are also rented by others. If buyers only look at the property ownership certificate and pay attention to the transfer procedures, but not whether there is a lease, then it is very likely that buyers will get a property that cannot be moved in or used in time.

Because China, including most countries, recognizes that "buying and selling does not break the lease", that is to say, the housing sales contract cannot compete with the previously established lease contract. This point is ignored by many buyers and intermediary companies in practice, and is also used by many sellers, which leads to more disputes.

4. Is the land situation clear?

Second-hand housing buyers should pay attention to the nature of land use, whether it is allocation or transfer. The allocated land is generally used for free, and the government can recover it for free. Transfer means that the owner has paid the land transfer fee and the buyer enjoys more complete rights to the house.

Also pay attention to the service life of the land. If the land use right of a house is only 40 years and the owner has used it for more than ten years, then it is a bit uneconomical for the buyer to measure whether it should be based on the price of commercial housing with the land use right of the same lot for 70 years.

5. Does the municipal planning have an impact?

Some homeowners may be eager to sell their second-hand houses because they know that their houses will be demolished in about 5 to 10 years, or that high-rise houses will be built near their houses, which may affect the municipal planning conditions such as lighting and price. As a buyer, you should fully understand the details when buying.