Worried about buying a house with defective property rights is a major reason why property buyers are afraid to conduct independent transactions. However, if we do enough preparatory work, this problem will not be a problem.
First of all, we should carefully check the owner's real estate license and pay attention to the signatures of several people on the real estate license. If there are two people, they need to have their names at the back when signing the contract; Secondly, look at relevant evidence when buying a house, such as purchase invoices and deed tax invoices. As an auxiliary evidence to preliminarily confirm the ownership of housing property.
Deposit and contract signing in the process of purchasing second-hand houses in Tianjin
After looking at the house and determining the property rights of the house, it is natural to pay a deposit. Please be careful at this stage of the transaction.
Generally speaking, when paying the deposit, an appointment sales contract will be signed, and the model text can be downloaded from the website of Guotufangguan Bureau. The contract should at least stipulate the property address, transaction amount, delivery time, liquidated damages, liability for breach of contract, etc. See the model text for specific terms.
Risk warning:
In order to avoid the phenomenon that the owner defaults on the payment before handing over the house, you need to sign a deposit agreement for handing over the house, and stipulate to deduct a certain deposit from the deposit. Check the furniture and electrical appliances in good condition, pay the water, electricity and property management fees, and return the deposit after paying the key.
Tianjin second-hand housing purchase process signed a sales contract.
In this link, in addition to signing the stock house sales contract, the public also needs to sign a real estate brokerage contract with the intermediary. Where expenses are involved, in addition to the house payment, the agency fee should also be clear.
At present, the price department does not stipulate the charging standard of agency fees, and the final amount can be negotiated by both parties. Each house may be different because of different personal circumstances and different intermediaries.
Risk warning:
Need to be reminded that buyers should not blindly pursue low prices, but should examine the qualifications and service level of intermediaries. Tianjin Real Estate Window provides you with professional brokers, and selects gold medal experts from various communities through transaction volume, house number and qualification certification.
The choice of banks and mortgages in the process of purchasing second-hand houses in Tianjin
If it is not a one-time payment, the buyer still needs to go to the bank to make a mortgage loan. When applying for a loan in a bank, both buyers and sellers need to be present, and they should bring the original ID card, income certificate and sales contract. As for the bank supervision of deposits and down payment, it can also be handled at the same time when applying for a mortgage to avoid running errands back and forth.
As for the choice of banks, the intermediary recommends that the loan quotas of the four major state-owned banks will be more relaxed and more efficient. As for whether the interest rate can go down or down, the policies implemented by banks are basically the same, so there is no need to consider more.
Risk warning:
1. If the loan amount fails to meet expectations, the buyer needs to be prepared to pay more down payment, otherwise the transaction failure will lead to default;
2. At present, the second home loan tends to be tightened, and it is possible that the loan will not be approved. In order to prevent disputes between the two parties after this happens, solutions can be agreed in the contract, such as canceling the contract or compensating liquidated damages.
Transfer of ownership and tax payment in the process of purchasing second-hand houses in Tianjin
After the fund custody is completed, both parties submit the acceptance form of real estate business and register the sale of second-hand houses. The real estate registration department here will charge the following fees: registration fee 50 yuan (residence); Handling fee 3 yuan/m2; One copy is free, and more than two copies 10 yuan/copy; Stamp Duty 5 yuan/Ben. According to the regulations, within 7 working days, the registration of property rights transfer will be completed and a new certificate of immovable property rights will be issued.
When buying a house, you need to go through the transfer formalities at the property registration center where the property is located. The required materials generally include the original ID card, the original real estate license and the second-hand house sales contract. Generally, after delivery, the owner can ask the bank to put the previously supervised deposit in after receiving the receipt.
Risk warning:
The risk liability of real estate shall be borne by the transferor before the transfer of property rights and by the transferee after the transfer of property rights. In other words, the risk of damage to the house after the transfer is borne by the buyer, so the buyer needs to carefully confirm whether there are quality problems in the house before the transfer.