What problems should I pay attention to when buying a second-hand house?

With the coming of the end of the world on 20 12 and the rising trend of Shanghai's real estate volume and price, the real estate in first-and second-tier cities such as Beijing and Shanghai has ushered in a wave of price increases. A large number of just-needed customers and replacement customers who have been waiting to see have accelerated the pace of buying houses. Under the background of insufficient supply and high price of first-hand housing, second-hand housing has become a hot spot in real estate transactions. However, the contract terms, laws and money involved in second-hand housing are complicated, so I will give a detailed explanation on the process of second-hand housing transaction here and remind you of the links that must be paid attention to. I hope that the majority of property buyers will no longer be fooled by the black intermediary and will no longer be deceived in the process of buying a house. One: When you have the idea of buying a second-hand house, and the economic conditions permit, you should calculate the savings and cash at home, and then calculate the maximum budget for buying a house according to your own economic ability. Because real estate is a high-end product and involves a large amount of money, you should think twice about the location, floor and room type you want before deciding to buy, so as to avoid blindly looking at the house and have certain goals. If you have time to go to the trading center or real estate company to consult whether it meets the conditions for buying a house, whether it is limited to loans or purchases, this is very important. Two: When you decide what kind of second-hand house to buy, you should consider how to look at the house. In the era of rapid development of e-commerce, most people are keen to find a house online. If you believe online prices, you are wrong. No matter how good the pictures of online house decoration are, the description is attractive and the price is affordable, they are all bait to lure you. Despite his promises and assurances, these houses are fake in all likelihood. There is a big gap between the online price and the actual market price. If you really don't have time, you can find an avatar online, call him and tell him your budget and requirements. If there is a qualified house, I will inform you. Three: Some people pay attention to the formality and credibility of choosing an intermediary, which is totally unnecessary. Some big companies may not have as high quality houses as small intermediaries. Speaking of choosing an intermediary, I have to say that the real estate industry in China is still a sunrise industry, and the real estate intermediary industry is still in its infancy. Therefore, countries or intermediary companies have very low requirements for intermediary salesmen, as long as they are not stupid or stupid, they can be salesmen. Therefore, although the current intermediary companies look very formal, the quality of salesmen is generally not high. If you are a very dedicated property buyer, the salespeople or intermediary companies you meet will also be very dedicated, because respect and trust are mutual. If you watch out for him, they will certainly protect you. If you believe in him, of course they will believe in you and think of you everywhere. It is very subtle for buyers to get along with intermediary salesmen. Four: You should enter the stage of viewing houses now. Looking at the house is a very tiring project. Before seeing the house, you can learn about the community (property fees, parking spaces, counterpart schools, food markets, transportation, etc. ) through an intermediary or property. Of course, the most important thing is to know the price and area of the property. We need to be cautious about housing prices. There will still be illegal intermediaries who falsely report the price to earn the difference, which is illegal and can be prosecuted. When asking about the price, you should carefully ask the owner face to face whether it is the hand price or the separation of taxes and fees (many owners are unwilling to bear the taxes and fees, so most of the prices are the hand price after the taxes and fees are removed, and the taxes and fees are borne by the buyer). When looking at the house, you should look at the location of the house and avoid high-voltage lines, substations and garbage stations. According to your own preferences, and look for signs of water leakage in indoor corners, bathrooms, kitchens and other places. Let me talk about the room type in detail here. There are many kinds of rooms, which meet the needs of most people are double-south rooms and north-south rooms. A double south-facing room means that the windows of both rooms face south, and the master bedroom and living room generally face south. The room facing south has the best lighting, and the sunshine can come in for half an hour from morning to afternoon, but the ventilation is affected. North-south room type refers to the room window alternating north and south. The room facing south has good lighting, because the north and south are transparent and well ventilated, but the room facing north will be hot in Leng Xia in winter. After seeing the house, don't forget that the salesman will ask you to sign a confirmation letter. This confirmation letter is generally drafted by a lawyer and complies with laws and regulations. It is generally used to safeguard the interests of the intermediary and prevent you from skipping him to other places or making private transactions. If there is no big problem, you can sign it. After all, people showed you the house for free in the early stage. The more you don't sign, the more they suspect that you may jump the bill. Five: If you already have a satisfactory house, please ask the intermediary to help you calculate the tax and loan until the owner can (that is, the house will not be sold by others because you like a house and others can see it). ), you should discuss with your family and make a decision on the premise that you can afford it. Don't think that there will be a better house, and you can get what you want at the price. Buy the right one. The higher the house price, the better (in fact, there is no good house at all, as long as it meets your own requirements and affordability), but don't be impulsive. There are also many buyers who have paid the deposit and repented. Don't take the deposit seriously. Tens of thousands of dollars can do a lot of things. If it is decided, then the next step is to verify the authenticity of the property, which is very necessary. At present, many intermediaries ignore this point, but if something goes wrong, it will be a big trouble, and you will still suffer. First of all, you have to look at the property right certificate and the owner's ID card in person to verify whether the name on the property right certificate is consistent with the name on the ID card (don't trust the owner's promise, swindlers are easy to believe), and then go deeper and bring your ID card to the trading center to pull the production adjustment of this house, which requires a handling fee, but it is very cheap, and ten yuan is enough. There will be detailed information such as mortgage and property rights. On production transfer. If there is no problem with the house, the next step is to talk about the price and some details. Remember, everything can be discussed before payment. Once the deposit is paid, it depends on others' faces. There are two ways to negotiate. One is that when you have enough time, just as the owner has enough time, it is strongly recommended that you meet and negotiate with the owner. At this time, you need your own ability. The intermediary plays an intermediate role at this time, but such negotiations are safe and the details can be discussed. The details that must be discussed are: price, payment method, payment time, delivery time, time of moving out of the household registration, decoration and gift of household appliances and furniture. If all these are agreed, then the deposit will be paid next. Intermediary will have intermediary contracts, which should be carefully read, but most of them are fixed. It is best to write all the above into the contract or supplementary agreement. This is the most important, because it is necessary to prevent the owner from going back on his word. When signing a contract, you must pay attention to the signature of the property owner himself. If you are not the property owner, you must show a formal certificate of entrustment. After signing the contract, pay the deposit to the owner, and the intermediary will provide a receipt for knocking on the company's official seal. Then a detail, we must let the owner put the property right certificate in the custody of the intermediary company, and the owner is also selling more than one room. The second negotiation method is to give the intermediary an intention fee, write down their own requirements, and let the intermediary talk to the owner. Personally, I do not support this statement. If the intermediary you meet is not kind, it is likely to be tricky. Six: After paying the deposit, the house is yours in principle. If the landlord doesn't sell it or wants to sell it to others, he will pay you liquidated damages, but if you say no, you have to pay liquidated damages. So, as the fifth article says at the beginning, you should consider buying a house. The next step is to consult the mortgage. The loan is based on bank policy. Many property buyers mistakenly believe that loans are the responsibility of intermediaries. In fact, the intermediary can't be the master. He can only judge by policy and experience, because the loan has to go through the bank, which is opened by the state. China is flawed in this respect. You can't give a clear answer before buying a house. If you ask the intermediary or bank to promise you a loan, I don't think they will promise you even if they don't do this business. There are many disputes arising from bad loans such as poor credit and old age. It is necessary to check the credit in advance, the sooner the better, as said at the beginning. If it is not a big problem, the intermediary can do it, but it will take time. Therefore, when signing a formal real estate sales contract, you should leave enough time for yourself. Seven: It's time to sign the sales contract. What we talked about before needs to be reiterated. Don't be embarrassed. Put forward your own ideas, whether for the owner or the intermediary. The supplementary part of the contract should be read carefully. If you are not satisfied, you can ask for a revision. The fixed part is stipulated by the state. Even if there is a loophole, you can't modify it. A supplementary agreement can be re-signed and signed by three parties. After signing the sales contract, I will sign a loan contract with the bank. I need to ask about the discount, and then I will wait for the time. It takes fifteen working days to approve the loan. After the loan is approved and the property tax is approved, the transfer can be made. After the completion of the household registration, it will take 22 working days to issue a production certificate before lending. Finally, we can hand over the house. You're done! In the process of second-hand housing transaction, it is inevitable to encounter problems that can be big or small. Don't worry when you encounter problems. Consult an intermediary for the first time. Don't be afraid that the intermediary will be responsible to the end as long as it wants to do business. Don't blame the intermediary if something happens, put the blame on the intermediary and let the intermediary prepare for the worst (that is, no matter what you do, just wait for a lawsuit with you). You should talk to the intermediary harmoniously and find a way, not. In case you are unlucky and encounter an intermediary company that hooligans don't want to be good, you should calmly take legal measures. You can complain to their company headquarters first. Generally, bosses are very concerned about reputation, or you can complain to the industrial and commercial bureau, which will come forward to mediate. If the industrial and commercial bureau can't coordinate, it can sue. Therefore, in the second-hand housing transaction, you should be careful everywhere. Everything you say must be written down and signed before it can take effect. If you want to buy a house, you must sign a contract. If you want to sign a contract, you must be prepared for litigation.