Harbin second-hand housing sales process

1. The buyer and the seller establish information communication channels.

The buyer understands the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents.

2. The buyer and the seller sign the house sales contract.

If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign a house sales contract (or house sales contract).

After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.

3. Apply to the real estate transaction management department.

The buyer and the seller apply to the real estate transaction management department for review. After the buyer and the seller apply to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures for the houses that meet the listing conditions. If there is no property right or some property rights without the written consent of other property rights, the application will be refused and the listing transaction will be prohibited.

Step 4 act

The real estate transaction management department shall, according to the property right status and the purchase object of the transaction house, report to the transaction department for approval step by step according to the approval authority set in advance, and both parties to the transaction may go through the formalities for signing the deed. Beijing has cancelled the contract for the sale of real estate during the transaction, which is also commonly known as the "white deed".

Step 5 pay taxes and fees

The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.

6, the transfer of property rights transfer procedures.

After the real estate transaction management department completes the registration of property right change, both parties 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.

7. Go through the loan formalities

For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.

8. Pay off the balance and complete the transaction.

After the buyer obtains the ownership certificate of the house and pays off all the house price, and the seller delivers the house and pays off all the property fees, the sales contract of the second-hand house of both parties is fully fulfilled.

Matters needing attention in buying second-hand houses

First, clear property rights.

Whether the owner on the property certificate is consistent with the seller; Find out the nature of the house for sale; Whether the area confirmed on the real estate license is consistent with the actual area; Verify the legality and authenticity of the property right certificate.

Second, the integrity of property rights.

Confirming the integrity of property rights is to judge whether the property is mortgaged, including private mortgage and occupation. In order to avoid unnecessary disputes and disputes after the transfer.

Third, the quality of housing.

Observe the structure, architecture and decoration materials of the house. See if there are any changes in the internal and external structure of the house; Whether there is a private construction part; Whether it is occupying corridors or balconies. ; It involves the problem of how to calculate the balcony area.

Four. living space

Observe whether the internal structure of the house is reasonable; Whether it is suitable for living; Activity space size, etc.

Verb (abbreviation of verb) decorative configuration

Look at the level and degree of the original house decoration; Confirm whether the power supply facilities, gas supply pipelines and water pipes of the house are aging; Whether telephone lines and broadband installations are complete, etc.

Intransitive verb property management

Understand the price and payment method of water, electricity, coal and heating in this area, whether it is collected at home or paid by yourself; Observe whether the elevator can be used normally; Understand the basic situation of parking lot and community greening in this area; How is the local security level? Observe whether the security guards are responsible.

Seven. Housing history

Understand when the house was built and how long the land use period is; Who has lived there and what is the use; There is also the local credit status of the indigenous residents; Whether there are unpaid property fees, utilities, etc.

Eight. Neighborhood situation

Neighborhood relationship is an important factor affecting living comfort. Before buying a house, you should visit your neighbors up and down to understand their living conditions here; Chat with the staff on duty in the neighborhood Committee and the reception room to understand the situation.

Nine, the value of the house

Judge the value of the house through repeated comparison of power amplifiers in the market; Entrust a credible intermediary company to evaluate the value; When banks provide mortgage loans, they will make a value assessment, which can be regarded as the lowest value of the house.

X. loan terms

Second-hand housing loans have specific requirements. Specific to the relevant provisions of provinces and cities.

XI。 transfer of property rights

We need to find a unit that both parties can trust, such as a reputable guarantee company, and then transfer the house payment to the seller's account after the transfer is completed.