There are many channels to choose second-hand houses. First, go to a regular real estate agent to find housing information. The second is introduced by relatives, friends and acquaintances. The third is to query the information published by real estate websites or newspapers, such as SouFun. In addition, you can also go to the field to find housing, such as which residential house you like, you can go to the residential property department or residents to ask, and generally you can ask a lot of information.
Step 2: property right review
For second-hand houses, the most important thing before buying is to "know" the origin of the house.
First, look at whether the ownership of second-hand houses is true, complete and reliable, and whether the relevant documents of the "two certificates" of houses are audited. Houses without two certificates are not allowed to be bought or sold. When some homeowners sell their houses, they indicate that "the property right certificate is being processed". Experts suggest that such a house can't be bought even if it is cheap. If you can't authenticate, the loss will be great. For the sake of prudence, property buyers can investigate and verify the authenticity and identity of relevant certificates and their records to the real estate registration authority. Understand whether there is any property right dispute in the house to be traded.
Second, when choosing a house, we need to know whether the property right of the house belongs to others. According to the regulations, if the second-hand house belongs to more than two (including two) subjects, the written certificate of the owner's consent to the transfer shall be checked (submitted).
Third, before the second-hand house transaction, the buyer should check whether there are any other creditor's rights and debts disputes in the house. Are there administrative organs such as people's courts, people's procuratorates, public security organs and state security organs?
Fourth, we should check whether the second-hand houses have arrived. If there is a mortgage, it shall obtain written evidence that the seller has notified the mortgagee, or obtain the written consent of other obligees such as the mortgagee to transfer.
Fifth, it depends on whether the purchased second-hand houses belong to houses that are allowed to be sold, because some units still retain the preemptive right when the public houses are "restructured". In addition, it depends on whether the construction area of the purchased second-hand house is accurate, because sometimes the actual area of the house sold does not match the area indicated in the real estate license, and the area of the house sold in the contract is subject to the area indicated in the real estate license; See if the owner and the seller on the house ownership certificate are the same person, and if not, what is their relationship; It is necessary to investigate the quality, location, environment, price, structure, pattern, lighting conditions and property management of the house. Step 3: Both parties negotiate the price. If the buyer chooses a house through the above procedures, then the next step is for both parties to negotiate the price and see how much the house is worth. However, many buyers find it difficult for buyers and sellers to discuss and reach an agreed price together.
Experts suggest that it is a very complicated job to estimate the price of second-hand houses. For ordinary people, we should first carefully understand the housing quality problems that may affect housing prices. Because the second-hand house has lived for a period of time, buyers should carefully check the following aspects: First, whether the internal and external structure of the house has changed, because some unauthorized changes will affect the firmness and even life of the house. Second, observe whether the room type is reasonable. For example, the house is not facing the sun, or there is no "darkroom". Are there obvious problems such as water seepage and cracking in the room? Third, check the supporting facilities of the house. Whether the pipeline gas is connected and whether the voltage and water pressure are qualified. If the house does not have the above quality problems, buyers can have a basic understanding of the price with reference to the surrounding second-hand housing prices. In addition to the above valuation methods, the second-hand house also needs a special valuation agency for valuation when trading. If the transaction is not conducted through an intermediary, both parties need to go to the designated appraisal company for appraisal. The appraisal is mainly used to verify the house price, which is convenient for both parties to conduct transactions and apply for house purchase loans. The second-hand housing transaction procedures are relatively complicated, and professional agencies can be entrusted to act as agents.
Step 4: Sign the contract.
It should be reminded that when signing the house purchase contract, both parties must use the standard contract-the Municipal Stock House Sales Contract, which is supervised by the Municipal Real Estate Administration and sold in the district real estate administrations and the municipal real estate trading center. When signing the contract, you need to fill in the location of the house, the number of the house ownership certificate, the number of the land use right certificate, the agreed house price, and the specific payment method. Experts remind us to pay attention to the following points when signing the contract: (1) to clarify the rights and obligations of both parties and the commitment of the owner; When signing a contract, it is necessary to indicate the responsibilities and obligations of all parties and the owner's commitment to customers in the contract or agreement, which will help avoid disputes, even if there is a dispute. Clarify the liability for breach of contract. Breach of contract, such as overdue delivery and breach of contract, should be indicated in the contract or agreement.
Step 5: "two certificates" transfer.
When signing the contract, the buyer needs to pay the down payment, and then the buyer and the owner go to the unit real estate bureau that issued the housing certificate to handle the transfer, and generally pay the down payment when transferring. Both parties need to prepare the following materials when handling the transfer: Wuhan Real Estate Transaction Ownership Registration Application Form, two Wuhan Stock House Sales Contracts, two Appraisal Reports, two Surveying and Mapping Drawings, one set of original Property Ownership Certificate, one copy of State-owned Land Use Certificate, ID cards, household registration books, original and copy of marriage certificate of both parties. After the property buyers have completed the Property Certificate, they should go to the land department to apply for the land certificate. Similarly, going to the district land management bureau also needs the following information: the original state-owned land use certificate under the original landlord's name; Copies of ID cards of both parties to the transaction; A copy of the real estate license just issued by the buyer; Original Purchase and Sales Contract of Wuhan Stock House 1 copy; Application for land registration. The state-owned land use certificate has also been completed. Handling the transfer formalities is complicated. Ordinary people can entrust a professional intermediary company to handle the transfer of real estate due to their lack of real estate transaction knowledge, relevant experience and procedures of relevant departments.
Step 6: Apply for a loan.
Nowadays, the price of second-hand houses is getting higher and higher, and many buyers need loans to realize their housing dreams. At present, banks have carried out second-hand housing loan business. Property buyers need to prepare some materials when applying for a loan: ID card, household registration book, proof of economic income, real estate license of the purchased house, state-owned land use certificate, signed sales contract of Wuhan stock house, and evaluation report issued by the evaluation company. Then apply for a loan from the guarantee company. After the investigation and approval of the guarantee company, the buyer should sign a series of materials needed for mortgage setting, such as loan contract, mortgage contract, mortgage list, power of attorney, mortgage registration application form and so on.
Step 7: Apply for a mortgage.
Property buyers apply for loans with the loan contract, mortgage contract, mortgage list, mortgage registration application form, as well as the newly-applied real estate license, state-owned land use certificate and mortgage evaluation report to the District Real Estate Management Bureau for other warrants. After the guarantee company issued the loan notice, the buyers and sellers came to the bank with their ID cards, newly-established real estate licenses, state-owned land use certificates and other warrants. Both parties open accounts with their own ID cards, and the bank transfers the loan applied by the buyers to the landlord's account, and the buyers' own account will be used as the monthly repayment account.
(The above answers were published on 20 15-06-26. Please refer to the actual situation for the current purchase policy. )
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