1. Looking at the house and choosing the house: We can get the information of the house through the internet, media, newspapers and friends' introduction. , and pay attention to the environment and quality of the house in the process of looking at the house; 2. Sign a sales contract: If both the buyer and the seller confirm it, they still have to sign a sales contract. The contract procedure is essential, because the sales contract contains various key information such as breach of contract conditions and transaction amount. You can download more detailed sales contracts online, and if there are other agreed matters, you can make comments or sign supplementary agreements; 3. Sign a loan contract: At present, most buyers borrow money to buy a house. Generally, they can sign a loan contract after signing a sales contract. Where can I find a loan bank? In fact, this is not as complicated as I thought. Generally, there are many financial guarantee companies around the Housing Authority. They cooperate directly with the bank and can apply for a mortgage directly from them. The loan service fee is also low. Most small intermediaries are also looking for such a guarantee company. Then the buyer and the seller go to the bank to sign a loan as required, and provide loan information, mainly the buyer's income flow, income certificate and so on. The other is the identity information of buyers and sellers, which is basically no problem. Then wait for the evaluation company to come to the door for evaluation, and finally wait for the bank to inform whether to approve the mortgage; 4. Online signing: The Housing Authority can sign online for free, and you can go to the window for consultation. The main reason is that the transfer needs to sign the contract online. The most important thing about online signing is identity information and online signing price. If you know the nuclear tax price of the Housing Authority, you can sign the contract online according to the nuclear tax price. If you don't know, you'd better sign online with the transaction price. Moreover, after the integration of the three prices in many cities, most of the houses purchased by loans can only be signed online at the real transaction price. If you don't want to bother, you can go to the printing shop around the Housing Authority, which can generally be signed online, and the fees are generally very cheap; 5. Fund supervision: If it is a freely traded house, it is best to handle fund supervision. Landlords and buyers are afraid of their property losses, and fund supervision is undoubtedly more secure. Can supervise the full payment or down payment. Now many housing management bureaus have free fund supervision business. As long as the money exists in the fund supervision account, neither the buyer nor the seller can take it out separately before the transfer is completed. After completing the transfer procedure, the bank will directly transfer the money to the landlord's account, which can be said to be the safest way; 6. Handling the transfer: After handling the fund supervision, it is time to handle the house transfer procedures. The transfer procedure is usually divided into three steps. One is the nuclear tax, that is, how much tax is required to be paid at the nuclear tax window; The second is to submit documents to the Housing Authority, such as property right certificate, copy of identity information, online signing contract and other materials; The third is to pay taxes and get certificates. After the documents are delivered, it usually takes several working days to go through the formalities of paying taxes and getting the property right certificate. Pay the transfer tax first with the nuclear tax bill, and then take the buyer's property certificate; 7. Mortgage: If you buy a house with a loan, you must go through the mortgage formalities. Generally, the guarantee company that handles the loan will accompany you or teach you how to handle it, that is, go through the mortgage registration formalities at the Housing Authority, and the title certificate will be returned to the buyer after completion. Until this step is completed, the transfer procedure is completed. 8. Property delivery: After the transfer is completed, the buyer must find out the water and electricity charges, ask the seller to pay them off, handle the information of the new owner of the property, and deliver all kinds of properties before the buyer can move in.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 595 A sales contract is a contract in which the seller transfers the ownership of the subject matter to the buyer and the buyer pays the price.
Article 596 The contents of a sales contract generally include terms such as name, quantity, quality, price, time limit for performance, place and method of performance, packing method, inspection standard and method, settlement method, contract terms and their effects.
Article 597 Where the ownership of the subject matter cannot be transferred due to the seller's failure to obtain the right of disposition, the buyer may terminate the contract and require the seller to bear the liability for breach of contract. Where laws and administrative regulations prohibit or restrict the transfer of the subject matter, such provisions shall prevail.