Therefore, if banks tighten or stop accepting second-hand housing loans in the second half of the year, many buyers and homeowners who intend to sell this year will naturally join the "grab" action of second-hand housing.
Changchun second-hand house
Then, unlike the professional guidance services provided by real estate consultants when buying new houses, I believe many people know little about the transaction process of second-hand housing transactions between individuals. How to minimize the risks in second-hand housing transactions has become the most concerned issue for buyers and sellers for a long time. This time, through in-depth understanding of the interview, the reporter brought you a detailed second-hand housing loan transaction strategy map.
Attention to detail.
Real estate filing is very important.
Case 1:
Ms Cao wants to buy a second-hand house in Anju Community 10 Committee of Erdao District. Although the owner said that his property is a housing reform house, the house has been put on record for more than five years, and the tax for renaming the transaction will not be too much. Ms. Cao believes it. As a result, when I went to the real estate trading center to change my name and pay taxes, I was told that the real estate would be filed within five years, and the tax for changing my name was tens of thousands more than before. Helpless, the house transaction was put on hold.
Expert advice:
Yan, deputy general manager of Wang Ju Real Estate: Before buying a house, it is very important to check the housing condition through real estate filing, which can not only confirm the authenticity of the owner and the property certificate; Know the specific building age of the house to calculate the loan period; Moreover, we can also know whether there is a mortgage or economic dispute in the real estate, which leads to the inability to trade normally, but this link is often ignored.
At the time of filing, buyers and homeowners can go to Changchun Real Estate Archives located at the intersection of West Ring Road and Jingyang Road for retrieval.
The agency fee is stipulated.
Case 2:
Mr. Li is optimistic about a second-hand house, but the house has no title certificate. At this time, the homeowner heard that there is an intermediary company that can handle housing loans without property certificates, and the intermediary will sign contracts with customers in the early stage. If you can't get a loan, the deposit will be doubled. Mr. Li and the owner entrusted the intermediary to handle the loan and gave the down payment to the intermediary company for safekeeping. As a result, two months after the intermediary promised, Mr. Li still didn't get the loan, and the intermediary company also shirked it for various reasons.
Expert advice:
The major banks in Changchun made it clear that it is impossible for banks to provide loans without real estate licenses for second-hand housing transactions. Mr. Li Can only investigated the legal responsibility of the intermediary company, and recovered the liquidated damages and down payment according to the contract.
Yan Real Estate Deputy General Manager: At present, the second-hand housing intermediary industry has clear charging standards. For the buyers who inspect the house in the intermediary company, an intermediary fee of 2% of the total house price is charged, and an intermediary fee of 3,000 yuan is charged for the loan renaming business.
Confirm the loan qualification in advance
Case 3:
Mr. Zhang wanted to buy a second-hand house, signed a contract with the owner and applied for a loan from the bank. As a result, he found that there were seven bad credit records and the bank refused to lend for him. The owner refused to refund the house purchase deposit. Mr. Zhang didn't buy a house, and the deposit was gone.
Expert advice:
Liang Zhonghua, Wang Ju Real Estate Loan Commissioner: Generally speaking, banks will not grant loans for bad repayment records of more than three consecutive times or accumulated more than six times. Therefore, before buying a house, buyers need to get their credit report on the second floor of the financial building located at No.2133 Renmin Street, north of People's Square, so as to determine their eligibility for buying a house by loan.
It is better to have a third party involved.
Case 4:
Mr. Wang wants to buy a house without a third party. When it comes to renaming transactions, both Mr. Wang and the homeowner have concerns. The landlord asked Mr. Wang to pay the house price in one lump sum before renaming, fearing that if he paid separately, Mr. Wang would not pay the balance after renaming; However, Mr. Wang is worried that the owner will not cooperate with the name change after receiving the full amount. For a time, the two sides reached an impasse.
Expert advice:
Wu Hongfei, lawyer of Jilin Gongcheng Law Firm: In this case, the buyer and the seller can apply to the bank for fund supervision, that is, both parties open a corporate account and deposit all the house payment into the account. Every withdrawal must be signed by both the buyer and the seller at the same time to reduce the transaction risk. He suggested that if there are differences between the two sides in the name change of the transaction, the third party of the bank or intermediary company can be involved.
Loans should have a floating budget.
Case 5:
Ms. Chu wants to buy a second-hand house, but she only has 6.5438+0.2 million yuan in her hand. The intermediary promised that the down payment of the second-hand house she bought was within 6.5438+0.2 million yuan. As a result, during the transaction, Ms. Chu was told that she needed to pay another 20,000 heads of state, but Ms. Chu couldn't come up with it, which led to the transaction being shelved and the owner refused to refund the deposit.
Expert advice:
Li Guang, Wang Ju Real Estate Loan Commissioner: As the appraisal price of the second-hand housing loan is determined by the appraisal company designated by the bank, it is impossible for the broker of the intermediary company to accurately grasp the appraisal price, so it is impossible to accurately give the down payment amount. Therefore, property buyers should leave a floating budget space for the down payment when buying a house.
Be sure to sign a contract with the owner.
Case 6:
Ms. Dou bought a second-hand house through an intermediary company. When signing the contract with the owner, she found that the person who signed the contract was not the owner himself, but was told by the intermediary that the person had the owner's entrustment certificate. Ms. Dou believed it, but did not check the entrustment certificate. I found something wrong afterwards, but it was too late.
Expert advice:
Lawyer of Jilin Gongcheng Law Firm: Ms. Dou can sue the intermediary to the court. Remind buyers to meet the owners in person. If the seller is entrusted by the owner, he must confirm that he has a valid certificate of entrustment. Click to see more Changchun real estate news.
Purchase process
Choose a house and file it.
Go to Changchun Real Estate Archives (Changchun Real Estate Information Center) with the owner to extract the selected housing files.
Address: Block B, Changchun Real Estate Market, at the intersection of Jingyang Road and Xihuancheng Road, Lvyuan District.
Loan renaming
Seller: house ownership certificate, ID card, household registration book, marriage certificate and house files.
Buyer: ID card, household registration book, marriage certificate, income certificate, bank account and credit report.
Spare parts for both parties
(1) The bank accepts the buyer's loan application and pre-examines the loan conditions;
(2) After passing the preliminary examination, set up a special appraisal company to evaluate the transaction house price;
Bank preliminary examination
(about 2 working days)
(1) After the first trial is passed, the bank informs the buyer and the seller to sign the buyer's loan contract on the spot and verify the authenticity of the buyer's loan qualification on the spot;
(2) The bank will allow buyers and sellers to open accounts, and indicate the bank accounts of both parties in the loan contract;
(3) The bank will let the buyer deposit the down payment into his account and freeze it.
Bank face-to-face signing
(1) The bank will score the buyer's loan qualification systematically, and determine the lender's loan qualification according to the computer score, so as to determine the loan interest rate;
(2) During the period, the authenticity of the buyer's loan qualification will continue to be verified by telephone inquiry.
cheque
(about 7 working days)
(1) After receiving the notice from the bank, the buyer and the seller go to Dajing Road Service Center or Jingyang Sub-center of Changchun Real Estate Transaction and Ownership Registration to register the name change, and submit the materials (name change materials) of both parties;
(2) After the service center receives the materials and gives the renaming receipt (which is held by the seller), the buyer and the seller need to go back to the bank on the same day to confirm that the renaming has been done, and the bank will transfer the down payment to the seller's account;
rename
(about 2 working days)
(1) The buyer gets the house ownership certificate from the property rights trading center, and then submits the original to the loan bank and the copy to the appraisal company, which submits the appraisal report to the bank in batches;
(2) About 7 working days, the bank will inform the buyer to apply for mortgage at Dajing Road Service Center of Changchun Real Estate Transaction and Ownership Registration or the real estate mortgage department of Jingyang Sub-center (the bank loan officer will go with the buyer);
(3) The buyer signs the property right mortgage at the property right mortgage office, and then receives the mortgage receipt;
(4) About 4 working days, the real estate mortgage office informs the buyer to get the house ownership certificate and other rights certificate with the words "loan mortgage", and the buyer needs to send the other rights certificate to the bank;
(5) If there is a mortgage amount, the bank will pay the house price to the owner within 3 working days.
Secured loan
(The above answers were published on 20 16- 12-06. Please refer to the actual situation for the current purchase policy. )
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