1, sign a second-hand house sales contract, pay the down payment for the house purchase, and then sign a mortgage contract if both parties have time, that is, apply for a loan like a bank. Transfer the provident fund with the purchase contract.
2. If the landlord's certificate is in the bank, then both parties need to negotiate who will decompress and collect evidence. This situation is generally by the buyer. In fact, it's nothing, as long as the seller gives you a receipt when you pay. Anyway, you have to pay a down payment for the transfer.
3. Then, wait for the landlord to take out the real estate license from the bank, check it with the bank and approve it. After the bank has passed the examination and approval, that is, after agreeing to your loan, the buyers and sellers and the intermediary will go to the Housing Fair to transfer the ownership. At the same time, pay the seller a deposit.
The loan materials required to apply for a loan are:
1, valid identification materials (such as ID card, household registration book, marriage certificate, etc.). );
2. proof of income (such as bank running water and tax payment certificate);
3. Housing sales contract signed by the borrower and the seller;
4. Other supporting documents required by the bank.
Precautions:
1. Is the unit house infringing?
The housing of general units includes cost employee housing and standard employee housing. The nature of the two plots of land is allocated, and the land use fee should be paid when transferring.
Furthermore, for the standard-priced housing, the general unit enjoys part of the property rights, and the unit enjoys the preemptive right when the employees transfer their ownership. If the buyer does not pay attention to these, it may infringe upon the legitimate rights and interests of the unit together with the owner.
2. Is the property management fee in arrears?
Some owners have long been in arrears in property management fees, electricity fees and gas (natural gas, heating and gas) fees when they transfer their ownership, and have already owed a lot of fees. The buyer bought the house without knowing it, and the buyer may have to bear all the expenses.
3. Is the intermediary company illegal?
Some intermediary companies provide intermediary services in violation of regulations, such as providing zero down payment service for buyers when lending second-hand houses, that is, all the money paid by buyers can be defrauded from banks.
Buyers think they have taken advantage. I don't know if the bank finds out, all the responsibilities may be borne by him.
4. Is the contract clear?
Although the second-hand housing sales contract does not need to be as comprehensive as the commercial housing sales contract, some details should be clearly defined.
For example, the subject of contract, rights protection, house price, transaction mode, liability for breach of contract, dispute settlement, signing date and so on should be fully considered.
5. 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.
Baidu encyclopedia-second-hand house mortgage loan
Baidu encyclopedia-second-hand housing loan