What are the types of loans to buy a house and matters needing attention?

The process of buying a house: understanding the loan knowledge → understanding the market → evaluating personal ability, and defining the demand for buying a house → searching for information →

Matters needing attention in house inspection → negotiation skills → determination of transaction price → signing contract → paying deposit → preparing transaction materials → evaluation →

Apply for a mortgage loan → pay taxes → transfer ownership and pay down payment → issue a new letter of credit and send it to the bank for mortgage → settle the final payment and hand over the house.

Understand the conditions of mortgage loan

Personal second-hand housing mortgage loan business of Shenzhen Development Bank;

1. Basic conditions for applying for mortgage:

(1) A natural person who must be at least 18 years old and have full capacity for civil conduct;

(2) Having a stable economic income, a good credit record, the ability to repay the principal and interest of the loan, and providing authentic and credible income proof documents;

(3) The sum of the loan application period plus the existing age is no more than 60 years old;

(4) If the mortgaged property is owned by * * * *, one of them must be identified as the main applicant for the loan, and the main applicant must meet the above conditions. Other * * * people as mortgagor, * * * shall go through relevant mortgage registration procedures;

(5) The sum of the service life of the mortgaged property and the mortgage life is generally not more than 30 years;

(6) The borrower signs a real estate sales contract with the seller and pays a down payment of not less than 30% of the house price;

(7) Other conditions stipulated by the bank. Loan type

The financial arrangement of housing loan funds involves a wide range of contents, but the most important ones are the amount (percentage), term and interest rate of housing loan. Before introducing the above three issues, it is necessary to explain to buyers the three existing loan methods: individual housing loan, individual housing entrusted loan and individual housing portfolio loan. Personal housing provident fund loans are commercial loans provided by commercial banks; Personal housing entrusted loan is a policy loan entrusted by the provident fund management center to commercial banks; Personal housing portfolio loan is a combination of the former two.

Housing provident fund loans: For residents who have already paid housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.

Personal housing commercial loan: The above two loan methods are limited to employees who have paid housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan.

Personal housing portfolio loan: the maximum loan that can be issued by the housing provident fund management center is generally 654.38+0-390,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

Personal housing entrusted loans (provident fund loans) have the highest cost performance, and personal housing loans (commercial loans) have the heaviest interest burden, but what is the difference in specific repayment? We might as well make a comparison in another list.

Contrast: Suppose a couple of buyers want to buy a house with a total price of 500,000 yuan, and use their own funds to pay 30% down payment, that is, 654.38+05 million yuan, and the remaining 350,000 yuan to apply for a loan of 654.38+05 years. The couple's monthly income is 6,000 yuan, and the monthly provident fund contribution ratio is 20% (50% for enterprises and 50% for individuals). Now the total provident fund is 40 thousand. The interest burden of commercial loans is much higher than that of policy loans, reaching 1/3, and the monthly repayment amount is increased by 10%, and the total amount is increased by nearly 50,000 yuan, which is not a small sum. From this perspective, it is natural to choose personal housing entrusted loans, but no, the couple can't rely entirely on personal housing entrusted loans. Even if their existing provident fund reaches 40,000 yuan, they can apply for a provident fund loan of 400,000 yuan at a lower interest rate of 10. However, because the maximum amount of policy loans is only 300,000 yuan, 350,000 yuan is still unacceptable. Therefore, the couple had to settle for the second best and choose a personal housing portfolio loan. So, can they afford the monthly repayment burden? Speaking of it, they repay 27,865,438 yuan +0.45 yuan every month, but during the repayment period, they can offset part of it with the provident fund they deposit every month, and the amount can reach 20% of the total income at most, that is, 65,438 yuan +0.200 yuan/month, so the amount of mortgage they need to pay by themselves is only () 27,865,438 yuan+0.45-65,438 yuan+. It is suggested that buyers may wish to be careful when determining the purchase budget, list several schemes for comparison, and then apply for corresponding loans.

2. Information to be provided by the mortgage loan applicant:

(1) Legal identity documents (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visiting cards, home visiting cards and other residence documents);

(2) Proof of the marital status of the borrower;

(3) Proof of the borrower's income or other ability to repay the loan principal and interest on schedule:

A proof of income and bank deposit issued by the work unit must be provided;

B. Foreigners are also required to provide personal tax payment vouchers and residence certificates in Zhuhai (except Hong Kong and Macao);

C. Self-employed: In addition to providing the unit income certificate, you must also provide your own business license, bank statement (deposit flow) or other real estate, car driving license and other information that can explain the borrower's income and contribution ability;

(4) A mortgage appraisal report issued by a real estate appraisal institution recognized by the bank;

(5) The borrower and the seller sign a real estate sales contract;

(6) The down payment certificate that the total house price of the purchased property is not less than 30%;

(7) Bank current passbook (personal settlement account);

Other documents or materials required by the bank.

3. Information to be provided by the Seller:

(1) If the seller is an individual, provide legal and valid personal identification;

(2) If the seller is an enterprise, provide enterprise business license, organization code certificate, legal representative certificate, etc. ;

(3) Property right certificate of the house sold: those with property right certificate need to provide the house ownership certificate, and those without property right certificate need to provide the legally signed house purchase contract;

(4) Bank current passbook (personal settlement account);

(5) Other documents or materials required by the bank.

4. Loan amount, term and interest rate: (1) Loan amount: up to 70% of the purchased house price recognized by the bank; (2) Loan term: 30 years at the longest; (3) Loan interest rate: It shall be implemented according to the Regulations of China People's Bank on the Administration of Housing Loan Interest Rate.

The above information is for reference only, please consult the relevant personnel of the loan bank for details.

Buying a second-hand house can also apply for provident fund loans, commercial loans and portfolio loans. The basic condition is that the male borrower is not over 65 years old and the female borrower is not over 60 years old. Non-local residents can also apply for the purchase of second-hand housing mortgage loans. The maximum amount of provident fund loans is 50% of the appraised house price, and the longest term is ten years. The specific loan amount and fixed number of years shall be subject to the inquiry result of the provident fund management center. The combined loan amount is 70% of the appraised house price, and the insufficient provident fund loan can be used for commercial loans, with the longest service life 15 years. The maximum amount of pure commercial loan is 70% of the appraised house price, and the longest term is 15 years. The monthly repayment ability of provident fund, portfolio and commercial loans shall not exceed 50% of the total household income. It is worth noting that the amount of second-hand housing loans is calculated according to the appraisal results for the purpose of mortgage guarantee, rather than the transaction price of the house.

The process of applying for provident fund loans and portfolio loans is generally as follows: provident fund inquiry, housing appraisal, signing loan contracts, bank review and notarization of mortgage contracts, trading center accepting registered property rights, and sending other warrants to banks to apply for loans.

The process of applying for commercial loans is generally: housing appraisal, signing loan contract, mortgage contract, bank audit, notarization, buying insurance, trading center accepting registered property rights, and issuing other warrants to bank loans.

Under normal circumstances, the period from handling loan procedures to bank loans is about 2.5-3 months. Because most residents want to get the house payment in time after the house is sold, some guarantee companies have reached an agreement with financial institutions. On the premise of standardized operation in the early stage, financial institutions only need to rely on the receipt voucher of the trading center to lend money, without waiting for other warrants to come out, which can greatly shorten the lending cycle, and the seller can get the house payment 1-2 months in advance.

Know the market and avoid spending money.

1, pay attention to real estate information, and collect relevant information to keep abreast of the trends.

2. Browse: Zhuhai Special Zone Daily, Southern Metropolis Daily real estate column, news bulletin of Zhuhai related real estate websites.

3. The feedback of Zhuhai's future urban planning, the influence of road construction and the real estate column of TV channels can all reflect the market situation at that time.

4. Consult relevant professionals engaged in the real estate industry, such as real estate agents (also called real estate agents) or relatives and friends who have had real estate trading experience.

Assess the scope of personal abilities.

1. One-time home buyers should be within their own capabilities and do not need to be too greedy for luxury. Times are constantly changing. After thirty years in Hedong and thirty years in Hexi, you can consider what you can do when you make a fortune.

Of course, the funds for doing business should not be too tight, so the house should be kept as much as possible for a rainy day, and the cause is important. If it is within your ability, it is not cost-effective to keep interest rates floating.

3. Investors should pay more attention to the rate of return and appreciation potential when choosing a house, and should know more about the municipal development or renovation plan around the real estate in the next few years, so as to achieve twice the result with half the effort. Investment is not blind.

Before buying a house, first estimate your actual purchasing power according to the financial strength and repayment ability, and determine the location, area, price, floor, orientation and school district of the house according to the needs of work and life.

There are many opportunities to find information.

This link is a continuation of the preparatory work. You can inquire from newspapers, exhibitions, regular brand agencies or related real estate websites to conduct the primary election of houses.

"three look and two pay attention":

See if the intermediary agency is legal and credible. Choosing a good intermediary is the key to buying a second-hand house. Pay attention to whether it has a business license, inspect its scale and service quality, and ask the manager to show the qualification certificate of real estate agent. It is necessary to sign a standardized agency contract with the intermediary company, clearly stating the agency mode, cost, term, authority and other contents, and look at the seller's agency contract, paying special attention to the entrusted selling price to avoid the intermediary company earning the difference. The money paid by consumers should be given to the intermediary company as far as possible and a receipt should be issued, instead of directly giving it to the seller to prevent the money from hitting Shui Piao.

Second, see if the procedures for selling houses are legal. It is necessary to carefully examine whether the seller's property right certificate, deed tax certificate and ID card are true and valid, and the ID card must be indispensable for both husband and wife or someone. If the seller is not the owner of the house, or involves the right of inheritance or enjoyment, the relevant parties shall be required to be present, otherwise the power of attorney shall be presented.

Third, see if the house for sale can be traded according to law. Need to know whether the house sold has been sealed up by the court and other administrative organs, whether it is used for mortgage or without the consent of the mortgagee, whether it is included in the scope of demolition, and whether the address of the real estate license does not match the actual address of the house. If there is, it is not allowed to trade.

As soon as you pay attention, you should listen and objectively understand other relevant information about the house you are selling. For example, the reason for selling the house, whether the utilities are owed, and whether there are various hidden dangers due to illegal decoration and renovation. This is also very important, so as not to find some unsatisfactory conditions and regret it after moving in.

Second, be careful not to be greedy for petty gain. Don't listen to the intermediary's "good words", such as "less invoicing and less tax" and "the head of the household has access and the actual area is larger than the area on the real estate license", so as not to be greedy and cheap.

There are many precautions when looking at the house.

Remember that buying a house and settling down is more satisfying:

Look at it, look at night instead of day. Understand the noise, lighting and safety near the house after dark.

Second, watch rainy days instead of sunny days. No matter how good the disguise is, it can't compare with the rain for a few days. At this time, water leakage and seepage are unobstructed.

Third, look at patterns rather than building materials. Don't be fooled by beautiful building materials. Whether the house functions effectively depends on the proper layout design. Room structure, the structure of "second-hand house" is usually more complicated, and some houses have been rebuilt many times, and the structure is generally poor. Is the square pattern, utility rate, pool area, etc. Whether the layout of the house is reasonable, whether the facilities and equipment are complete and intact, etc. , to inspect the structure of the house in detail, to understand whether the house has damaged the decoration of the structure, whether there are hidden dangers such as selfless construction and reconstruction that lead to the damage of the main structure.

Fourth, look, whether the apartment is reasonable and whether there are any shortcomings that are particularly unsuitable for living; Whether there are too many pipelines and unreasonable wiring; Is there any sign of water seepage on the ceiling? Whether the wall has obvious problems such as bursting and peeling.

Fifth, look at the corner instead of the wall. See if the corner is flat, cracked and seeping.

Sixth, look at the workmanship rather than the decoration. Especially whether the workmanship of every corner, windowsill, corner and ceiling is in place. It is meticulous and should be carefully observed. These are bargaining chips.

Seventh, look out of the window, not at the curtains. Be sure to open the curtains and see if the ventilation, lighting and exhaust pipe are good.

Eight look, look at feng shui, good house feng shui is also very important. Although this article is a bit superstitious, superstition is also a summary of the long-term experience of working people, and it still has some truth. You can't believe it all or not. There are several points to remember: don't buy the one facing the cigarette, the one facing the corner of the opposite building, the one facing the intersection, the wrong room type and so on.

Looking at the stairs instead of the elevator is the safety ladder. In case of disaster, this is the only way to escape.

Ten, look at the socket, not the electrical appliances. Only a well-designed house can fully enjoy the convenience of modern household appliances.

Empty houses instead of furniture. An empty house is the real face.

Listen, tell the guards not to look at the master. Any house is the best in the eyes of the owner, but the manager or doorman knows the house, the environment and the neighbors, so he must choose good neighbors, especially those upstairs. Everyone who has lived in a building knows how important this is. He is the sky above you. If it thunders and rains all day, I don't know how many times you can tolerate him. If there is another quarrel and you don't look up for a day, how annoying you are. In fact, this is also a good choice. You can quietly make good relations with the sales girl or the community management office and security guards, and ask casually.

Thirteen, look at the sky, not the ground. Pay attention to the ceiling and corners for leakage.

Look at the kitchen and bathroom instead of the living room. The living room is the appearance, the kitchen and bathroom are the internal organs, and the water, electricity and coal systems at home are all here, which is the place where water leakage is easy to cause problems. Turn on the tap and observe the water quality and water pressure; Turn on the TV to see if the picture is clear and can watch several programs; Confirm the power supply capacity of the house to avoid the phenomenon that the air conditioner can't be turned on in summer; Observe whether indoor and outdoor wires are aging; Connection of telephone lines, whether ordinary telephone lines or ISDN telephone lines; Whether the gas connection and pipeline gas have been changed:

Look, try not to look at the house on the first floor or the top floor. One is unsafe and the other is unsanitary. Three is not warm, Leng Xia is hot in winter, and four is restless. If you encounter any water seepage and block the toilet, you will be in big trouble.

16. Look at the interior of the house: whether there are any parts built privately, and pay special attention to whether arcades, awnings, balconies and platforms have been built. If the infrastructure is damaged due to erection or reconstruction, it must be removed and restored by the other party to avoid being punished by the management department or leaving hidden dangers.

Look, understand the internal structure diagram of the house, including the pipeline direction and the location of the load-bearing wall, so as to redecorate.

Look, look at the level of property management: how much do you charge for water, electricity, coal and heating? Do you collect it at home or hand it in 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; Is the community closed? What's the security level? Observe the number and sense of responsibility of security personnel; How about the greening work in the community? What services does the property management company provide?

Look, the cost after check-in: know the prices of water, electricity and coal. The collection standard of property management fees; The parking fee. Find out whether the owners in Chu Yuan owe the property management company fees and the fees for water, electricity, coal and heating.

Look at the history of the old house: when was it built? How long is the land use period; Who lives there? What background? What is the purpose; Did anything bad happen? Do you owe anyone money? Or there have been thefts or criminal cases.

Twenty-one, look at the distance between the nearby roads, railways and airports. It is advisable that the noise heard when opening the window is not obvious.

Look at the distance of public venues in the community, especially nightclubs, food stalls and fitness equipment venues. If you become neighbors with them, you will be accompanied by noise.

Look at the distance of the parking lot in the community (especially the low-rise residents). Most drivers have to warm up for a few minutes after starting the car. If we catch up with winter, the traffic will be almost the same, and I'm afraid we will have to get up early every day.

Twenty-four, look at the distance of the street lamp. Generally speaking, it is better to be close, mainly for the sake of safety at night, but not too close. If it is too close, on the one hand, some people are not used to being very bright at night, on the other hand, mosquitoes will be too close to your doors and windows in summer night.

Twenty-five, look at the distance of the security post. It's up to you to choose whether it's safer near or quieter far away.

Twenty-six, look at the distance of the tree, just a little closer, it can make the air fresh and cool, but if it is too close, it is easy to have mosquitoes. Mosquitoes have many tools to deal with it, but it is difficult to deal with pests in trees, and some pests are extremely difficult to deal with.

27. Look at the distance between adjacent buildings, especially whether there are windows opposite nearby buildings. If both sides can easily see each other's life, it may be a very embarrassing thing.

Look at the distance between the supermarket and the restaurant in the community. Supermarkets are better, especially restaurants. Noise is just childish, and the most terrible thing is oil smoke. There are many kinds of carcinogens there. If you meet kebabs again, ...

Twenty-nine look at the distance between the two floors of high-rise residential buildings (mainly middle and low-rise households). In residential areas with many buildings, the "wind effect" is sometimes very obvious, so some residents will suffer.

Thirty, look at the distance of the trash can. After the baptism of SARS, everyone has a new understanding of garbage, so there is no need to say more about this.

"Look" is just one of many factors that need to be considered when buying a house. The content involved is naturally less important than factors such as price and housing quality, but it will be encountered every day. Once something goes wrong, it will be uncomfortable for a long time. Therefore, it is better to think about it before buying a house and take a closer look.

Master negotiation skills

Generally speaking, the sales staff of real estate companies generally undergo rigorous training before taking up their posts, and the most important content of training is how to find customers, how to talk with customers, and how to firmly promote the confidence of a real estate. At the same time, the company will also formulate extremely stimulating commission incentives to encourage sales staff.

In the face of such a specially trained opponent, buyers must take the initiative to attack if they want to be free from his mercy in the transaction process.

Key points: 1. Go to several big real estate companies and buildings, compare them more, and don't trust all the salespeople.

2. Try to pick out the shortcomings of 10 as much as possible as a necessity for bargaining in the process of looking at the house.

Show some sincerity when buying, but don't rush to buy, even if you like it.

4. The mentality is normal, calm, rational, objective, calm and calm.

5, talk about the price can be from deep to shallow, first give a very low price to test, in this process, try to observe the expressions and actions of the sales staff. Make an analysis, and don't bargain easily before determining a reasonable purchase price.

6, find out the ten shortcomings of the house to strengthen and highlight, and avoid the advantages of the house.

7. Don't agree to everything immediately (if the seller puts forward his ideal price and there is no possibility of reducing the price, he should make a decision quickly)

8. Show your attitude. Other attributes are also under consideration.

9. Really buy a house but don't worry.

Pay attention to determining the transaction price.

1. First, make sure that the transaction price is the real price determined by the seller. If the information is fed back through the intermediary, it is necessary to ensure the authenticity of the price, and the intermediary does not earn the difference.

2. Before determining the price, you must first determine whether your tax amount and the price with the seller contain other conditions.

3. Ensure that the seller is not an intermediary or real estate speculator.

You can calmly determine that the transaction price is reasonable and the price you accept.

When everything is settled, the transaction price can be determined immediately.

Don't be careless when signing the contract.

Property buyers in the signing of second-hand housing contracts, some matters must be verified in detail. Including: whether there are one or several property owners and whether they all agree to sell the house; Whether the house property right certificate is true; The area and use of the property; Housing quality and planning; Whether the real estate right has been ruled, sealed up or restricted according to law; Whether there is a mortgage, etc.

Experts remind: if you can't see the landlord, you'd better not buy a house; Even if you meet the landlord, you must look at the other party's real estate license and ID card or household registration book.

If the owner doesn't show up, the agent may have the image of eating the difference in nine cases. It is common for intermediaries to eat the difference. To deal with the phenomenon of price difference, it is best to stipulate in the contract that if the broker or seller eats the price difference, the price difference belongs to the buyer, and if the broker or buyer eats the price difference, the price difference belongs to the seller.

1. When signing a second-hand house sales contract, the following 10 is essential:

(1) The address and contact information of the buyer and the seller, and indicate whether the house is personal property or owned by husband and wife and family.

(two) the location, nature, area, structure, pattern and decoration of the house; Ownership of property rights, whether the house belongs to the mortgaged house, and whether there is some illegal construction.

(3) Total house price, payment method and payment terms, etc.

(4) delivery time and conditions; Distribution of various taxes and other expenses.

(5) Liability for breach of contract, liquidated damages, exemption and other matters.

(6) Agree to settle disputes through arbitration or litigation.

(7) Effective time, valid or invalid conditions, valid or invalid period, circumstances that invalidate the contract, several invalid exemption clauses, conditions that the parties require to change or terminate the contract, and how to return the property after the contract is invalid or terminated.

(8) Conditions for suspension, termination or dissolution of the contract.

(9) to stipulate the conditions for the alteration and transfer of the contract or the prohibition clauses that may not be altered or transferred.

(10) The intermediary promises not to eat the difference and not to tamper with the terms, such as the liability for breach of contract, the compensation methods found before, during and after.

To some extent, buying a second-hand house is more troublesome than buying a first-hand house (new commercial house), and there are many problems and some hidden dangers that have not been uncovered. Therefore, people must protect their rights from a legal perspective when signing a contract for the sale of second-hand houses. What is stated in the explanation and what is agreed in advance are clearly expressed, and some clauses are essential.

1. Name and domicile of the party concerned

Here is mainly to write down the specific situation, address and contact information of the parties to avoid being defrauded; Both parties shall make a detailed and clear introduction or investigation to each other; It should be stated whether * * * has property, whether husband and wife * * * have property and whether family * * * has property.

Second, the goal.

The location, nature, area, structure, pattern, decoration, facilities and equipment of the house should be stated here; At the same time, the ownership of housing property rights should also be stated (connected with Article 1); Whether there are defects in mortgage or other rights; Payment of house property management fees, etc.

Third, the price

This is also the main content, mainly indicating the total price; Payment method; Terms of payment; How to apply for a mortgage loan; Positioning; Final payment, etc.

Four. Time limit, place and method of performance

Mainly indicate the delivery time and conditions; The process of handling relevant formalities; How should both parties seek the services of intermediary companies, lawyers and evaluation agencies? How to share various taxes and other expenses?

Verb (abbreviation of verb) liability for breach of contract

Mainly explain which situations belong to breach of contract; How to bear the liability for breach of contract; The calculation of liquidated damages, deposits and compensation is based on payment; Under what circumstances can it be exempted; The form of guarantee; Selection and application of fine or deposit.

The method of solving disputes by intransitive verbs

It is mainly agreed to settle disputes through arbitration or litigation. It should be noted that if both parties agree to settle the dispute through arbitration, they should write clear terms according to the provisions of China Arbitration Law.

Seven. Effective terms of the contract

Both parties hereby reach an agreement on the effective time of the contract; Valid or invalid conditions; Effective or invalid period; Conditions for the parties to request modification or termination of the contract; How to return the property after the contract is invalid or dissolved?

Eight. Suspension, termination or rescission clause of contract

Clearly stipulate the conditions for suspension, termination or dissolution of the contract; Obligations to be performed by all parties under the above circumstances; Formal prescription of the right of revocation; How to return the property after the contract is suspended, terminated and dissolved?

Nine. Alteration and assignment of contract

Here, the conditions for the change and transfer of the contract or the prohibition conditions for the change and transfer cannot be agreed.

Seize

After that, explain what attachments are included in this contract; Validity of attachments, etc.

If possible, it is recommended to hire a professional lawyer to draft and amend the contract, which will be more effective.

(The buyer and the seller meet) reach an agreement on the specific matters of the property and sign a house sales contract.

In this process, in order to protect personal interests, the intermediary may sometimes arrange to meet with fake customers. Here, the owner had better be careful. In order to ensure the security of the transaction, the house payment can be supervised by funds and can be handled through banks or lawyers.

The contents of the contract must have important terms of intermediary (promise not to travel, and bear all legal responsibilities once found)

The significance of paying the deposit.

Do a good job of "four checks" to avoid risks before buying a second-hand house and paying a deposit.

Check the property rights of the house

Checking the property right of the house is the key to the transaction, so check the integrity and reliability of the property right before buying a house, especially to find out whether the owner on the property right certificate is the same person as the seller. Whether the property right is clear and whether there is mortgage. You should check with the housing management department first.

Second, check the hidden dangers such as water and electricity.

For the structure, decoration, apartment type, building age, surrounding facilities, municipal facilities and property management level of the second-hand house itself, many people will ignore some hidden problems, including water pressure, power supply capacity, etc., and buyers should make clear before trading. In addition, it is also necessary to check whether the utilities, pipeline gas, telephone, cable TV and management fees have been paid, and if necessary, the solution agreed by both parties can be stated in the contract.

Third, check the household registration problem.

In Xiangzhou District, many second-hand house buyers buy houses to solve their children's education problems. Therefore, buyers should carefully understand the household registration and other related matters to ensure that all the original accounts are moved out, so as to ensure that new buyers can move in smoothly after buying a house.

Buying a second-hand house is urgent. Due to the complexity of second-hand housing, buyers must carefully compare the seller's identity of first-hand housing when paying the deposit. The identity of the seller of second-hand houses is quite diverse and complicated. Therefore, after the buyer pays the deposit, it may not be able to complete the whole transaction process as expected. So I interviewed relevant professionals to remind the public to buy a second-hand house when paying the deposit. Paying a deposit before buying a house is like a double-edged sword, which restricts both buyers and sellers. However, when buying a house to pay the down payment, buyers must not be impulsive. They must fully estimate their ability to pay, and then pay the down payment and the down payment.

In short: full preparation, high vigilance, careful analysis and decisive decision-making. I wish you a happy purchase!