What are the procedures for buying a second-hand house? Without an intermediary, what are the costs and what should I pay attention to?

Policy charges: business tax, deed tax and personal income tax are calculated according to local guidance prices and policies.

Agency fee, loan and guarantee fee. There are other miscellaneous expenses.

1. In case of property right disputes, compensation can basically be guaranteed, but it is best to stipulate the specific compensation clauses in the agreement. 2. This risk can be ruled out, but if you didn't stipulate compensation or refund after breach of contract in the tripartite contract, you may get a refund at that time, but some of your losses (such as time and spirit) may not be compensated. 3. Generally, the transaction procedures of second-hand houses are handled through legal intermediaries. The intermediary has the responsibility and obligation to inform you of the property rights of the house. Generally speaking, you don't have to worry. They asked more professionally, because if there was something wrong with the house at that time, it would be bad for them. But as a buyer, it is better to find out the complete property rights of the house, so isn't it more reassuring? You should ask the agent or seller to tell you the purchase contract number. With the purchase contract number, you can go to the website of the Housing Authority or inquire in person in the lobby. 5. Your supplementary question. The other party has a mortgage loan contract, which can only explain the problem of property rights to a certain extent, but the mortgage contract is not a direct proof of property rights. Generally speaking, the fact that there is only one person's name on the mortgage contract does not mean that this person has complete property rights, because if more than one person has property rights, as long as the property owner has issued a certificate of consent to the mortgage to the bank, it is not necessary to write the names of all property owners on the mortgage contract. Finally, copy something from the Internet for your reference, as follows: 1. Risks of trading subjects. Specifically, the seller is not the owner of the house and sells the house without the effective authorization of the owner. For example, one spouse sells a house without telling the other; Someone sold the house without telling the property rights; Workers sell some houses with property rights without telling the unit, and these situations need to be carefully screened.

2. The risk of trading houses. This includes a variety of situations: the houses used for trading are illegal buildings or have been included in the scope of demolition; The ownership of the house is controversial; The house has been leased to others, and the seller fails to notify the lessee in accordance with the regulations, thus infringing the lessee's preemptive right; The house has been mortgaged and transferred without the written consent of the mortgagee; Being sealed up or restricted from transferring the ownership of the house in other forms according to law; The house used for trading has quality defects. 3. Risks of trading procedures. Housing belongs to real estate, which is different from the trading rules of general movable property. The occurrence and change of housing property rights and related rights need to be registered with relevant government departments. The seller's delivery of the house to the buyer is not enough to produce the legal effect of the change of ownership of the house. 4. Risks of trading contracts. If the rights and obligations of both parties are not clear, or the terms of the contract are not clear, then the rights and interests of one of them will be easily damaged. 5. Property right risk. When buying a second-hand house, you should also look for property rights, so as not to sell the house in the future. According to the regulations, buyers and sellers have to pay the relevant taxes, go through the formalities of property right transfer, and the real estate bureau will issue the property right certificate after the transfer. Identification intermediary: 1. See if the intermediary has a qualification certificate and needs special approval to engage in real estate brokerage business. 2. Look at the strength of the intermediary, whether to pay attention to the brand, the quality of personnel and professional knowledge, because the level of personnel determines whether you can find a suitable and satisfactory housing for you. At the same time, understand the relevant honors obtained by the intermediary. 3. Look at the advertisement of the intermediary. Generally speaking, those with large pages are also relatively strong and informative. 4. Does this intermediary carry out "cash acquisition" business? If the intermediary spends a lot of money to buy a house, there is almost no possibility of not making a difference. 5. Is the intermediary allowed to see the owner when conducting the transaction? Is the transaction process transparent? Some intermediaries who earn the difference always avoid the owners everywhere, for fear that customers and owners will talk about the price. 6. When signing a contract, do you sign a tripartite agreement or an intermediary contract? In other words, if the contract is signed with the participation of the intermediary, the customer and the owner, you can check with the Housing Authority first, and then pay the deposit, which is the safest.