Step 1: House Collection
Second-hand housing information can be collected from the following channels: professional real estate websites, newspaper media and intermediary companies.
1. Professional real estate website: There are a large number of newly released second-hand housing information released by intermediary companies and individuals free of charge in the housing information channel of professional website. You can select conditions such as area, price and room area in the column for quick query, or you can select detailed conditions for further query. You can also post your purchase information in the property management column.
2. Newspaper media: The fixed columns of evening newspapers and daily newspapers will regularly publish a lot of second-hand housing information, which is also an important way for you to collect housing.
3. Intermediary companies: At present, most intermediary companies handle the business of buying and selling second-hand houses. You can look for housing information from an intermediary company, but you must look for an intermediary company with complete qualifications and licenses to avoid being deceived.
Step 2: Transaction negotiation
First, confirm the ownership:
First of all, you should judge whether the seller's property rights are complete and reliable, whether there are * * * people, and whether there are property rights disputes such as mortgages; You'd better go to the housing management department to check the authenticity of this property right certificate; In addition, for public houses, it should also be confirmed whether the original property unit is allowed to sell. If there is a problem with the property right of the house, I suggest you never buy it, so as not to get the title certificate after the transaction, which will cause a lot of trouble. If it is a public house, verify the lease contract provided by the other party.
Second, on-site inspection
1. Check the basic situation of the house. You should check whether the building year, land use period, building area and usable area are consistent with those indicated in the real estate license, whether the layout of the building is reasonable and whether the supporting facilities are complete and intact. You should take a detailed look at the structure of the house to see if there is any damaged structure in the decoration of the house, and whether the main structure is damaged due to selfless erection and reconstruction.
2. Look at the surrounding environment and supporting facilities. Because the second-hand house was built early and the surrounding facilities are relatively complete, the environmental quality may be very different from that of the new house. When buying a second-hand house, we should focus on whether there are noise and harmful gas sources around the house, as well as the public security, sanitation and greening of the community. The survey of housing facilities and equipment mainly includes: the supply and charging standards of water, electricity, gas and heating, and the definition of TV reception.
3. Understand the history of the house and neighbors. Want to know who lived in this house in history, what background, what purpose, and whether anything bad happened (such as disputes or cases)? What about the neighbors? Can you get along well and so on.
Third, negotiate and sign the contract.
After the above two steps, you may find a second-hand house you are satisfied with. Next, you should discuss the price, handover time and equipment, relocation and transfer fee with the other party. Do these things well and you will sign a contract with the other party.
Different from the sale of new houses, the signing of the contract for the sale of second-hand houses is relatively simple, but there is no unified format promulgated by the state management department. If you want to sign a definite contract, I suggest you know the relevant terms of the second-hand house contract first.
Step 3: Second-hand housing loan
If you can't pay in one lump sum, you can choose second-hand housing provident fund loans and mortgage loans. The second-hand housing provident fund loan object can only be the borrower who pays the provident fund, and there is no such restriction on mortgage. Second-hand housing mortgage loans should be examined and approved by the bank mortgage department and handled by designated real estate sales enterprises or real estate intermediary enterprises. The borrower takes the purchased second-hand house with complete property rights as collateral, and the intermediary enterprise provides guarantee for its loan and assumes joint liability.
Loan conditions: loan amount, term and interest rate; Information required for handling loans; Loan related expenses
Step 4: Transfer procedures and fees
After signing the sales contract and paying the house price, both parties to the transaction can handle the transaction formalities with relevant documents and materials. If the second-hand house you buy is a foreign-related property, you should go to the real estate property market management office to exchange it. Otherwise, the second-hand housing transaction of non-foreign real estate must be handled by the district or county real estate transaction management department where the house is located. After buying a house, the transaction management department shall go through the formalities of on-site investigation, confirm that there is no property right dispute, go through the formalities of property right transfer, pay the relevant taxes and fees, and issue the house ownership certificate within 30 days. Those who hold the land use right certificate must go through the formalities for changing the land use right at the land management department.
(The above answers were published on 2015-11-03. Please refer to the actual situation for the current purchase policy. )
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