It also depends on local policies. Whether applying for commercial loans to buy second-hand houses or provident fund loans to buy second-hand houses, the down payment is different in different regions and different policies.
Many people think that the process of buying and selling second-hand houses is very complicated and there are traps everywhere. I am afraid that there is a problem with the property rights of the old house, I am afraid that I will encounter a black-hearted intermediary, and I am afraid that the transaction procedures are cumbersome. In the process of second-hand housing transaction, buyers and sellers usually only pay attention to the final result of the transaction, but ignore the security of the transaction process. In fact, it is often the links in the whole transaction process that can most affect the transaction results. The reason why buyers and sellers choose trading agents as brokerage companies is not only to obtain real market information, but also to hope that brokerage companies can provide them with a safe trading process. In fact, as long as consumers master basic trading knowledge and pay attention to some possible risks, they can still buy satisfactory second-hand houses. General formal second-hand housing transactions include the following links.
Find intermediary information to register
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, and the buyers and sellers register the information of buying and selling houses respectively. In this link, it is very important for buyers and sellers to choose a real trust intermediary, which is directly related to the security of the transaction and the smooth handover of the house payment.
A good brokerage company has the following points: large scale, business license, qualification certificate and good reputation. The specific measures are as follows: First, pay attention to whether the company address is in the same place or the same administrative district as the store you registered to visit. If not, there are two situations: one is to prove that the company is operating in a different place, and such a company may have faced the dilemma of being listed as an illegal act by the industrial and commercial bureau, and escaped the sanctions of the industrial and commercial department and the recovery of customers by moving; The second is because it is a branch or chain store. According to the regulations, branches should also have their own licenses. However, if there are more than two branches with broker qualification certificates, some branches will use a copy of the business license of the head office if they fail to meet this standard. Therefore, consumers should ask the salesman of the store to look at the business license of the head office and take this opportunity to go to their head office to recognize a door. Secondly, pay attention to the registered capital listed in the 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.
Study the contract carefully when signing the 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 general agency fee is paid by the buyer, and the amount is 2.4% of the house price. In order to reduce the possible risks in second-hand housing transactions, the following clauses are essential: 1. Basic information should be listed: the name, domicile and contact information of the buyer and seller; 2. Ask the seller or intermediary to clearly write down the basic information of the house, including location, nature, area, structure, pattern, decoration, facilities and equipment, whether there is mortgage, whether anyone agrees to sell, etc.; 3. Price-related issues: specify the total house price in the contract, indicate whether it is a one-time payment, installment payment or loan application, specify the payment time and stipulate the payment terms; 4. Write down the time and conditions of delivery, the process and expenses of handling relevant formalities; 5. Liability for breach of contract: it is regarded as breach of contract when it occurs, the calculation and payment of liquidated damages, deposits and compensation, and how to solve disputes (arbitration, litigation, etc.). ) If negotiation fails; 6. Indicate the entry into force, suspension, termination or dissolution of the contract; 7. The conditions for alteration and transfer are stipulated in the contract, or the prohibition clauses that may not be altered or transferred are stipulated. In addition, when adding some terms, it must be implemented in words, and the intermediary is required to affix the official seal of the company on it.
References:
Four formal transaction processes teach you how to buy and sell second-hand houses.