1, house selection
Buyers need to know the current situation and property rights of their favorite houses through intermediaries. Including: house ownership certificate, identity document, purchase invoice, deed tax invoice, etc.
2. Sign a house purchase contract
After communication between the buyer and the seller, they can sign a house purchase contract and pay the down payment. At this time, the buyer should pay attention to two issues: 1) the property right, house price, payment method, delivery time and liability for breach of contract must be clearly marked in the contract; 2) If the house you like is still under mortgage, it is best not to give the deposit to the seller, but to a third party for supervision.
Step 3 Pay taxes and fees
Hefei implements the policy of "paying taxes first". The buyer and the seller first get the application form for family housing inquiry at the information desk of the tax bureau, fill in the form and seal it in the corresponding window. Then, taxpayers should bring their ID cards, purchase invoices, sales contracts and real estate licenses to pay taxes in line.
4. Housing transfer
Before the transfer, the buyer must confirm whether there are any quality problems in the house, and then both parties to the transaction shall submit the transfer procedures to the real estate management department. At this time, the management department will check the relevant documents, check the property rights, and grant the transfer procedures to the houses that meet the listing conditions. If it does not meet the transfer conditions, it will refuse to go public.
Step 5 apply for a loan
If the buyer needs to apply for a mortgage loan instead of a lump sum payment, the buyer and the seller should bring the original ID card, income certificate and sales contract to the bank to apply for a loan. In order to prevent the loan from being approved and disputes arise between the two parties, it can be agreed in the contract in advance that if the purchased second-hand house has been loaned, a mortgage loan is required.
6. House acceptance
Finally, the buyer should carefully check and accept the house, especially the property, utilities and gas charges involved in the house, depending on whether the original owner has paid off. It is also necessary to confirm whether the furniture and household appliances in the house have been replaced or removed, and finally the owner will hand over the key and formally complete the transaction.