Taobao.com and JD.COM.com are more popular, with more kinds and quantities of lots and more participants. If it is a high-quality real estate, the competition will be more intense. The other three platforms are relatively unpopular, with fewer participants. When you meet a high-quality real estate, you have a greater chance of missing it.
The steps of buying a house are 1. Do market research.
After determining the city and region where you want to buy real estate according to your own needs, you can learn about the local real estate transaction and purchase policies, such as transaction price, supporting facilities, school district division, settlement policy and whether to limit purchases and loans. If it is for investment, it is also necessary to examine whether the property is easy to transfer, lease and appreciate in the future.
Step 2 find the target
After fully investigating the market, you can look for suitable targets on the judicial auction website.
Step 3 read the announcement
After the initial selection of the target, you must read all kinds of announcements and documents listed on the website word by word: "Introduction to the target", "Tender Notice", "Instructions for Bidding" and "Evaluation Report", which will list a lot of important information, such as the nature of the property and land use rights, whether it is renovated, whether it is rented, whether it is cleared, whether it is distributed, who will bear the taxes and fees, etc., which will directly affect the suitability of the property. If some very important information, such as taxes and fees, is not listed in the announcement, you can also call the consultation telephone number of the tax bureau, housing management bureau and other departments to learn more.
4. Look at the samples on the spot
If you think that the target property is suitable for purchase after reading the announcement carefully, you can contact the court according to the announcement requirements and register for the field model room to see the house. On the day of on-the-spot sampling, usually accompanied by the staff of the court, auction company and property management company, you can ask them about the reason and process of the auction of the property, and find out whether there are other conditions that affect the handover or delivery of the property and the payment of the property utilities.
At the same time, you can also check whether the situation of the target property is consistent with the announcement information, whether there is a lack of furniture and home appliances, and whether there are obvious quality problems in the property. There are people living in the house, or neighbors are willing to talk about it. You can also learn about the relationship between people living in the house, whether to rent it, how long the lease is, when the tenants will move out, and so on. In short, the on-the-spot model room viewing is a good opportunity to deeply understand the situation of the target real estate, which is very helpful to reduce the risk of buying a house.
Step 5 prepare funds
After seeing the samples on the spot, you can roughly decide whether to participate in the auction. If you are going to participate, what you need to do at this time is not to register directly, but to prepare enough funds or arrange funding channels.
Due to the success of the auction, the remaining house payment will often be paid in full within 1 to 2 weeks, especially for the property that cannot be loaned, it is very necessary to prepare more than two payment plans. For the real estate that can be loaned, it is necessary to communicate with the bank about the loan in advance and make preparations for applying for the loan in advance.
Step 6 pay the deposit
After the above five preparation steps, you can officially enter the auction stage. First of all, you have to register your account on the auction platform, register at a specified time (usually before the auction begins) and pay the deposit to the collection account designated by the court in order to qualify for the auction. The deposit is generally 10%-20% of the starting price, and will be frozen after being credited to the account designated by the court. If the auction is successful, it will offset the auction money; If it is unsuccessful, it will be returned after the auction; If the auction is successful and you regret it, the court will confiscate it.
7. Bidding
Every auction can start as long as one person signs up and pays the deposit. Registered bidders can bid directly through the platform after the auction begins. Bidding usually lasts for 24 hours. If a bidder bids in the last 2 minutes, it will be automatically delayed for 5 minutes until no one bids. If the bid is greater than or equal to the starting price, the transaction can be concluded, and the highest bidder wins.
8. Pay the balance
After the auction is successful, the remaining auction money shall be transferred to the collection account designated by the court within the specified time. After the court verifies that the payment is correct, it will notify the bidder to sign for the Confirmation of Auction Closing, the Notice of Assistance in Execution, the Execution Ruling and other documents (hereinafter referred to as the "three books"), and then issue a notice of mortgage cancellation and sealing-up to the real estate registration department so that the bidder can handle the transfer procedures.
9. Handle delivery matters
After the mortgage of the property subject to certification is released and sealed up, the bidder can handle the transfer formalities with three certificates, ID card, house purchase qualification certificate and other documents. The general procedure is to go to the tax bureau to inquire about the tax payment, and then submit the transfer information to the real estate registration department after paying the tax. If it goes well, you can get a new property right certificate in a month or so. For the subject property that has not been certified, after the seizure is lifted, the bidder can communicate with the real estate developer and ask the developer to directly handle the property right certificate under the bidder's name according to the three copies.
At the same time or after handling the property right certificate, the key of the uninhabited house can be changed directly; Houses with tenants may require tenants to move out after the lease expires; Unreasonably occupied houses can be closed through communication and consultation or alarm.