There are several ways to understand and find housing:
1, introduced by relatives and friends;
2. Understand and search through newspapers, online information or posting purchase information;
3. Choose a qualified real estate agency to buy.
The first method has narrow information and low probability of success. The second method has a wide range of choices, but many advertisements are very miscellaneous. You must carefully identify the authenticity of relevant information to avoid blindness or unnecessary interference. The third method is time-saving, labor-saving and safe, and can find a suitable house in a short time. But you must check the credit status of the brokerage company in advance, because the brokerage company will charge a certain commission after acting for you successfully, so your purchase cost will increase.
The second step is to see the house on the spot.
After selecting the target housing, you need to go to the site to check it yourself. Experts remind: we must interview the property owner to determine whether the property right of the house is good and whether it has the conditions for listing and trading. For the renovated house, it is necessary to check whether the facilities such as water, electricity, natural gas and heating can be used normally and whether there are obvious quality problems in the house. The third step is negotiation and signing.
After determining the house to be purchased, you can negotiate with the seller to sign a contract. In the contract, the rights and obligations of the buyer and the seller and the relevant third party should be clearly defined in detail according to the contents negotiated between you and the seller, and the payment method, the time and method of property right transfer, the time and method of house delivery, and the terms of safe transaction should be clearly stipulated. The contract should also clearly stipulate the liability for breach of contract and the legal solution after the dispute occurs. Where a brokerage company acts as an agent, the buyer and the seller shall also sign an intermediary guarantee contract with the brokerage company, specifying the intermediary guarantee responsibility that the broker should bear in the transaction process and the service content that the broker should provide.
The fourth step is property right transaction.
After the signing of the sales contract, both parties to the transaction can go through the property right transaction formalities at the district or county real estate transaction department where the house belongs; The transaction department shall, through the corresponding audit procedures, determine whether the house property right has the transfer conditions; Pay off the purchase price according to the payment method stipulated in the contract, and the real estate transaction department formally accepts the transfer application; The buyer and the seller shall pay the relevant taxes and fees and issue the house ownership certificate to the buyer. Those who hold the land use right certificate must go through the formalities for changing the land use right at the land management department.
At present, according to the different agency needs of buyers and sellers, the agency methods of real estate brokerage companies are also different, which requires you to negotiate with the brokerage company carefully before handling the agency procedures.
If property buyers need bank loans, they should also apply for bank loans first, and then go through the formalities of property rights transfer. House acceptance conditions: 1. The house must have the house quality certificate issued by the quality inspection station. According to the relevant regulations, before the house is delivered for use, it must be accepted by the district-level housing quality inspection station before residents can live. After checking this certificate, residents themselves should check the quality of their houses and solve the problems in time. 2. All completed projects are generally "five connections and one leveling", that is, gas, water, electric heating, sewage and roads. One leveling means that the site is 6 meters in front of the building and 3 meters behind the building. It is not allowed to pile up building materials or sundries to ensure the safety of access. Realize the gas meter, electric meter (unit meter) and water meter to the home. Indoor cleanliness, pool, basin, dung bucket, garbage chute, doors and windows, glass, pipes clean, no dirt, so that the window is bright and clean, floor drain, rain mouth and other places without blocking debris. 3. The domestic water supply system of high-rise residential buildings must have a water certificate issued by the health and epidemic prevention department. It should be noted that the water quality in Beijing is seriously exceeding the standard. In some residential areas, all domestic water is obtained by self-drilling. To be on the safe side, it is best to take some water samples back to such residential areas and send them to the relevant departments for inspection. If the water quality can't meet the domestic water standard, they should try to solve it as soon as possible. 4. The elevators in high-rise residential buildings must have the certificate of safe operation issued by the labor department. 5. The fire water supply system of high-rise residential buildings must be inspected by the fire department. 6. The house should be fully equipped, reliable in function and complete in procedures according to the requirements of drawings and documents.
How to check the quality of houses The quality inspection of houses mainly includes:
1. Whether the indoor layout is reasonable, its privacy and sound insulation effect.
2. Whether the indoor light is sufficient and the air convection is good.
3. Water supply, power supply, gas supply, telephone lines and closed-circuit television lines are all in place.
4. Check the house for cracks.
First, carefully check whether there are cracks in the floor and roof of the house. No cracks are best. If there are cracks, it depends on what kind of cracks. Generally speaking, although the cracks parallel to the beam are quality problems, they are basically not dangerous and will not hinder the use after repair. If the crack is at an oblique angle of 45 degrees to the corner or perpendicular to the beam, it shows that there are serious settlement and structural quality problems in the house.
Secondly, see if there are cracks in the exterior wall of the house. If there are cracks, it is also a serious quality problem.
Finally, it depends on whether there are cracks in the load-bearing wall. If the crack runs through the whole wall and passes through the back, it means that there are hidden dangers in the house. For this kind of house, buyers must not take any chances.
5. Check whether the house is tilted. Although the professional detection of house inclination requires special instruments, buyers can basically find problems through visual inspection from different angles around and careful observation of the distance. Sometimes you can tie a heavy object on the roof with a string, stick it on the wall and put it down to the foot of the wall, and check its inclination from all sides.
6. Check the house for leakage. Property buyers should pay attention to the water seepage on the ground and top floor of the house, and carefully check whether the wall surface of the house is discolored, blistered, peeled and dusty, which are all signs of leakage. You should also check whether the kitchen, bathroom, balcony roof and pipe joints are leaking.
7. Check the wall for lime "explosion".
This is because the lime has not matured for enough time, or there is too much silt in the cement or the mixing is uneven. The "explosion point" can be hit with iron. If it is found that a large area is loose and falls off, it is also a quality problem, which will bring great trouble to the residence and decoration of property buyers and cannot be ignored.
8. Check the drainage system of the toilet.
See if the water can be discharged to the outlet unimpeded, otherwise it will bring inconvenience to the future residence or increase the decoration cost. Description of classification of housing property rights I. State-owned real estate
Refers to the property owned by the state, including the property taken over, leased, purchased by the government, newly built by the state, or built or purchased by state-owned units with self-raised funds. State-owned real estate is divided into three categories:
1. Directly managed property: refers to the property taken over by the government, leased, acquired, newly built or expanded by the state (except those whose property rights have been formally transferred to the unit), most of which are directly managed, leased and maintained by the real estate management department of the government, and a few of them are lent to the unit for use without compensation (refers to the allocated property). Direct production is divided into four categories: central level, municipal level, district and county level, and funding.
(1) Central-level public property: housing management under Beijing Municipal Bureau of Land Resources and Housing Management I. Housing management II. Build a central-level property managed by the company.
(2) Municipal public real estate: municipal real estate managed by construction companies, Guanxiu companies and housing management companies under Beijing Municipal Bureau of Land Resources and Housing Management, and municipal real estate directly managed by East, West, Chong, Xuan, North Korea, Shanghai, Feng and Shi Housing Management Bureau.
(3) County-level public property: it belongs to the district-level real estate directly managed by the Housing and Land Administration Bureau of ten suburban counties.
(4) Transfer of production: the property right of the house belongs to the Municipal Bureau of Land and Housing Management, which is lent to the unit for use free of charge and managed and maintained by the user.
2. Self-managed real estate: refers to a part of state-owned real estate. Including real estate allocated by the state to units owned by the whole people and purchased and built by units owned by the whole people with their own funds. Self-managed properties are divided into six categories: central authorities, municipal authorities, district and county authorities, central enterprises, city and county enterprises and others.
(1) Central organ: refers to the real estate (including real estate taken over, allocated, purchased and built) owned by the Party and state organs of the Central Committee in Beijing, the National People's Congress, Chinese People's Political Consultative Conference, the Supreme People's Court, the Supreme People's Procuratorate, the central committees of democratic parties, national social organizations, national mass organizations and institutions affiliated to central departments.
(2) Municipal authorities: refers to the real estate owned by municipal party and government organs, municipal people's congress, CPPCC, municipal high and intermediate people's court, municipal people's procuratorate, municipal people's procuratorate branch, municipal social organizations of democratic parties, municipal mass organizations and institutions affiliated to municipal departments (including real estate taken over, allocated, purchased and built).
(3) District and county organs: refers to the real estate owned by district and county party and government organs, district and county people's congresses, district and county CPPCC, district and county people's courts, district and county people's procuratorates, democratic parties, district and county social organizations, district and county mass organizations and institutions affiliated to the district and county (including the real estate that has been taken over, allocated and purchased).
(4) Central enterprises: refers to the real estate owned by enterprises owned by the whole people under the central departments, including the real estate taken over, allocated, purchased and built).
(5) Urban and county enterprises: refers to the real estate owned by enterprises owned by the whole people (including enterprises allocated, purchased and built) owned by urban and county departments.
(6) Other self-managed properties: refers to houses that do not belong to the above self-managed properties.
3. Military products: part of state-owned real estate. Refers to all the property of China People's Liberation Army troops, including the property allocated by the state, purchased and built with military funds and purchased and built by the army itself).
Second, collectively owned real estate.
Also known as collective property, it refers to the real estate owned by urban collective ownership units. That is, the property invested, built and purchased by collectively owned units. Detailed explanation of provident fund management rules On August 19 this year, the central bank raised interest rates again, and the corresponding personal housing provident fund deposit interest rate increased slightly, while the personal housing provident fund loan interest rate remained unchanged, which sent a signal that the government encouraged the self-use residential consumer market. Recently, many readers have consulted this column about the use of housing provident fund. According to the proportion of consulting questions, this column asks Mr. Luo Yu, the head of the marketing department of real estate brokerage company, to answer the questions as follows. {1} I want to buy a second-hand house. Can I use the provident fund loan? (49.5%)
Luo Yu: As long as the housing provident fund is paid in full and on time for more than one year, and the borrower and spouse have never applied for a provident fund loan, they can apply for a housing provident fund loan after buying a second-hand house. {2} Where can I apply for and apply for housing provident fund loans? (accounting for 28.6%) Luo Yu: Generally speaking, loan applicants should apply for housing provident fund loans at the management department where the unit has paid the housing provident fund. Before applying for a loan, you can find the person in charge of housing provident fund deposit in your unit and determine which management department you want to go to. If the house you buy belongs to the designated project, you should apply for a loan from the designated management department. You can consult the management department of your unit to pay the housing provident fund or the developer of the house you bought. If you buy a second-hand house, you can handle it through a brokerage company. At present, the "Trust One Day" real estate company is a large company that started the second-hand housing provident fund loan business earlier in the brokerage industry. The company can provide you with all-round services and guarantees. {3} What personal data do depositors with foreign accounts need to prove their residence in Beijing when applying for provident fund loans? (accounting for 12.3%) Luo Yu: The proof of residence in Beijing provided by the depositor of foreign household registration when applying for provident fund loan is a Beijing temporary residence permit or a Beijing work residence permit. {4} Can I withdraw the housing accumulation fund when buying a second-hand house? If possible, what audit materials should be provided when extracting? (9.6%) Luo Yu: When buying a house in the secondary housing market (that is, buying a second-hand house for self-occupation), you can withdraw the housing accumulation fund from the buyer's account. At the time of withdrawal, the buyer must provide the house ownership certificate handled by the ownership registration department of the county where the house is located, as well as the deed tax payment certificate and real estate transaction invoice issued by the Land Resources and Housing Administration on behalf of the tax department. Transaction price of deed tax for commercial housing with property rights and taxes for less than 5 years * 65438+0.5% for more than 5 years1.5% * 3% for non-ordinary housing \ Commercial transaction price * 3% for non-ordinary housing \ Transaction price of commercial stamp duty * 1‰ stamp duty transaction price * 1‰ business tax transaction price *5.5% business tax difference *5.5% personal income tax transaction price of non-ordinary residence * 1% personal income tax transaction price * 1% non-unique residence or income *20% or income *20% land value-added tax transaction price. % non-ordinary residential land value-added tax is nothing more than ordinary residential 1% non-unique housing or income *20% or income *20% land transfer fee 1560 yuan * construction area * 1% land transfer fee 1560 yuan * construction area * 1% central house payment deed tax for less than 5 years. 1‰ stamp duty transaction price * 1‰ business tax transaction price *5.5% business tax transaction price excluding personal income tax * 1% personal income tax transaction price * 1% non-unique housing or income *20% or income *20% land transfer fee 1560 yuan * construction area. 0% transaction price of deed tax for affordable housing under 65438+5 years *65438+ 0.5% transaction price of deed tax over 5 years *65438+ 0.5% transaction price of stamp duty * 65438+ 0‰ transaction price of stamp duty * 0‰ transaction price of business tax * excluding 5.5% business tax of comprehensive land price difference */kloc-0%. 1% non-unique house or income * 20% deed tax transaction price of relocated house under 5 years * 1.5% deed tax transaction price of house over 5 years *1.5% stamp duty transaction price * 1‰ stamp duty transaction price * 1‰ business tax transaction price *5.5%.