I bought a second-hand house myself the year before last. As an experienced person, I will share some matters that should be paid attention to when buying a second-hand house. This paper is divided into three parts: notes on house selection, transaction and decoration.
1, matters needing attention in house selection
① Balance the budget and supporting facilities.
In the case of limited budget, we should weigh the comprehensive factors such as location, medical care, education, shopping malls, transportation and apartment layout according to our own needs. For example, families with school-age children pay more attention to educational resources; Families of office workers are more concerned about transportation resources, so you can consider it according to your own budget and needs.
② Understand the basic situation of the house.
Understand whether the house is seriously damaged, such as water leakage, damage to load-bearing structure, cracking of external wall, etc. , are very serious problems; In addition, it is suggested to indicate whether the house is a "haunted house" and the liability clause in the contract to avoid disputes in the later period.
2. Matters needing attention in the transaction
(1) Housing Authority Search
Before signing the contract, the landlord must bring his own certificate to the Housing Authority for a search to determine the property rights information of the house, such as the property owner, whether * * * has property rights, whether there is mortgage, whether it has been sealed up, etc. If there is a property right dispute, the search paper is clear at a glance.
There are mosaics in the picture, so it is suggested to replace or delete the signing contract and online sign.
First of all, on the day of signing the contract, you only need to give a deposit. Then on the signing day, you need to sign an online contract with the landlord at the first time. Online signing is equivalent to locking the purchase qualification of this house. During the validity period of the online signing contract, it is invalid for others to sign the contract again, so as to avoid the situation of multi-room sale.
③ Application for loan contract
Before signing the contract, if you need a loan to buy a house, you should also make an appointment with the bank mortgage specialist, and sign a loan application contract with the bank (and ask the landlord to provide the loan collection account information) to apply for a loan.
(4) When will the down payment be given?
After receiving the loan agreement from the bank, agree on the transfer time with the landlord, and then pay the down payment to the landlord when transferring. It is suggested that the staff of the Housing Authority check all the information correctly, transfer money by mobile phone when signing (pay attention to the down payment when transferring money), transfer the down payment with one hand and sign with the other, just like paying money with one hand and delivering goods with the other.
⑤ Other precautions
After buying a house, I want to move my account. When signing a contract, I have to sign an agreement with the landlord to move out of my account. Then, after the house is transferred, you need to go through the transfer procedures of water, electricity and property fees with the landlord.
3, decoration matters needing attention
① The decoration cost of second-hand houses is high.
Compared with rough houses, there are more demolition projects for second-hand housing decoration and the cost will be higher; And there may be more "accidents" when decorating, which will also cost you a lot. If you plan to buy a second-hand house for a comprehensive renovation, you should make psychological expectations. For example, when I bought a second-hand house for decoration, I found that the water pipe was blocked before I entered the house, so I changed the property to 500 yuan.
② Water leakage and leakage inspection
There may be water leakage and seepage in the old house, so it is best to check it clearly when decorating, and it is best to experience several rainstorms when decorating, so that the leakage of the external wall can be found in time. For example, the second-hand house bought by my family has many leaks at the bay window. Fortunately, it was found during the renovation, and there was not much loss. You can paint the exterior wall in time, waterproof glue.
Now the downtown real estate development is full. If you want to settle down in the city center, you can basically only buy a second-hand house. Buying a second-hand house is different from buying a new house. Buying a new house is new, there is nothing to worry about. Moreover, the transaction objects are generally big developers with deep pockets, so don't worry about scams unless small brand developers go bankrupt. So, if you plan to buy a second-hand house, you might as well collect my articles. If you have any questions about the sale or decoration of second-hand houses, you can also leave a message or trust me privately.