In recent years, second-hand houses have been mentioned more and more times. On the one hand, because house prices are getting more and more ungrounded, they just need too much economic pressure and can only settle for the second best. On the other hand, the transformation of shanty towns in various cities mostly started from the city center, and it is now drawing to a close. Investors value the advantages of lots and buy second-hand houses. However, whatever the reason, the second-hand housing fire has formed an independent emerging field of the property market. Although there are not many popular years, the doorway is much more complicated than buying a new house. If you don't understand, it's easy to be cheated. For example, in signing contracts, transferring ownership, handling relevant procedures and so on. There may be a trap, and inexperienced buyers may have to be careful that "money and houses are empty".
If you don't pay attention to these four points, the intermediary brother won't remind you that a neighbor complained to Bian Xiao about his experience of buying a house for his son. As his grandson is going to school soon, they took a fancy to a second-hand house near a famous school. However, they don't know that banks won't lend money to houses with a total age of more than 40 years. They were told only after they paid a deposit and signed the contract. As a result, the house could not be bought and the savings were gone. On this issue, Bian Xiao also went to a friend engaged in the intermediary industry to find out, and this younger brother laid a solid foundation. Although the reason is simple, there are still many similar cases happening repeatedly every year. In the face of buying a house for the first time, the intermediary generally does not give too many tips. In addition to being bound by loans, there are still some aspects that have to be concerned.
First, many salespeople like to play word games, so in order to avoid the embarrassment of insufficient money when paying, ask whether the quotation includes tax before signing the contract. Second, before signing the contract, we must find out whether the house is in a mortgage state or whether it is in a legal dispute, so as to avoid the scam of illegally selling the mortgaged property and then running away with the money, as well as the situation that the former owner's other half reneges on the transaction. Third, we should read more, ask more questions and compare more, so as to avoid the situation that the information of house sale is inconsistent with the reality and deceived.
Look at the house, check the house, these procedures can not be saved! In order to sell more money, sellers must pack and do superficial work. Therefore, don't listen to fools when buying a house, but make a field trip, that is, don't walk around the house and come out, because many problems can't be seen by the naked eye.
First of all, we should do a good job of acceptance and inventory, and the indoor facilities and accessories, as well as the old and new degree, should be consistent with the description in the contract. If you buy a house to send air conditioners, cookers, range hoods, water heaters, lamps and other household appliances, remember to ask for invoices and warranty cards. Secondly, in terms of tap water, electricity, gas, natural gas, cable TV, telecommunications or Netcom, buyers and sellers also need to go through the transfer procedures at the business outlets to avoid the situation that the original house is not settled. If it has been settled, the former owner needs to indicate on the receipt that "the house price has been settled in full". Finally, it should be noted that the contract must mention the transfer of the former owner's account. Many of them are because the former owner's account does not move, which leads to the new owner's unanimous refusal to settle down. Isn't buying a house a waste of money? However, because the police station is only responsible for household registration management, if the household registration transfer is not implemented in the house sales contract, the court cannot give corresponding support.
Should I pay the money first or transfer the ownership first when buying a second-hand house? Generally speaking, it is necessary to take relevant bills to the real estate trading center to check the housing files and confirm the property rights of the house, and whether there is a legal dispute over mortgage economy. In the case that the property right of the house is confirmed correctly, the buyer needs to pay a part of the down payment, which will be kept by the intermediary company or bank, and then remitted to the house after the transaction is completed. Then you can ask the bank if the house can be loaned. If you can get a loan, you can apply for a down payment and sign a sales contract. Then, handle the transfer, and go through the mortgage formalities with the real estate license. Finally, after the loan arrives in two months, you can handle the transfer.
To sum up, any details should be implemented in black and white as far as possible to avoid disputes. Buying a house is a happy event. Don't let disputes add to your troubles.