Fuzhou second-hand housing transaction process
Find intermediary information to register
A good brokerage company has the following points: large scale, business license, qualification certificate and good reputation. Buyers and sellers go to the intermediary to consult the relevant policies of second-hand housing transactions, and the brokerage company matches the buyers and sellers according to the actual situation. When choosing an intermediary company, we should pay attention to the registered capital listed in the company's business license. Looking at the size, office location and number of employees of the company, we can judge whether the registered capital of such an enterprise may be one million yuan or ten million yuan as indicated in the license. In addition, before signing the purchase agreement with the owner, the buyer should go to the shop of the intermediary company several times, and observe whether the salesman in the shop is fixed and whether there are any disputes between other buyers and sellers and the company during each visit.
Market access qualification examination and approval
The seller shall apply to the district or county real estate transaction management department where the house is located for the Listing Approval Notice and go through the listing approval procedures.
Evaluate and inspect the details of the house.
The intermediary checks the identity card and property right certificate (including whether there is property right and whether the house is mortgaged). ) and stored in the intermediary for the record. On-the-spot investigation by the intermediary to master the details of the house, such as the water supply and drainage of the ceiling, wall, bathroom and kitchen, whether there is structural decoration, whether there is selfless construction, and whether it occupies the roof platform and corridor. Preliminary evaluation provides reference for determining the selling price. Proper housing and housing evaluation are the most concerned in this link.
sign an agreement
After the house is verified, the transaction intermediary signs an entrustment agreement with the buyer and the seller respectively. After the buyers and sellers confirm the house price and related matters, they sign the sales contract at the intermediary office. Generally, the contract should indicate the details of the seller's house and pay the agency fee.
The intermediary mediator submits the house payment.
In order to ensure the vital interests of the buyers and sellers of real estate and prevent unnecessary disputes in the transaction, the intermediary will act as an intermediary guarantor to provide intermediary services for the "purchase payment and real estate handover" in the real estate transaction after accepting the entrustment of the buyers and sellers.
The Buyer will deposit all the house payment into the account designated by China Insurance Company before signing the transfer contract. If the buyer wants to apply for a mortgage loan from the bank, he should sign an entrustment guarantee contract with the guarantor, deposit 30% of the total house price as the down payment into the account designated by the intermediary, and remit all the loans to the account designated by the intermediary after the bank lends money.
settlement bytransfer of account
The buyer and the seller pay relevant taxes and fees, and go through the formalities of ownership transfer. Then, after the buyers and sellers confirm that the property is correct, the mediator will assist the buyers and sellers in property delivery, settlement of property management fees, removal of the seller's household registration, hand over the keys of the sold house to the buyer, hand over the house payment to the seller, and the three parties will settle with the mediator. The brokerage company shall assist in handling the change of property rights; If the buyer needs a loan, the brokerage company will assist in handling it and provide phased guarantee.
? The process of second-hand housing transaction is generally these ten steps. If you find a good intermediary company at the beginning of the second-hand housing transaction, most of the process intermediaries will help you complete it. Buyers or sellers only need to do some simple things together, which is not troublesome. However, it is not recommended to entrust everything about second-hand housing transactions to intermediaries. Some things can be done by yourself, such as the transfer of ownership and tax payment in second-hand housing transactions.
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