It is undeniable that many home buyers have always been interested in buying second-hand houses. The old city, convenient transportation, and complete living facilities are incomparable to most new developments located on the outskirts of the city.
So if banks tighten or stop accepting second-hand housing loans in the second half of the year, many home buyers and homeowners who plan to sell this year will naturally join in the "snatching" of second-hand housing.
Changchun second-hand houses
Well, unlike buying a new house and having the professional guidance service of a real estate consultant, for second-hand house transactions between individuals, I believe many people are not familiar with the transaction. Little is known about the process. How to minimize risks in second-hand housing transactions has become a long-standing concern for buyers and sellers. This time, the reporter brings you a detailed guide to second-hand housing loan transactions through in-depth interviews.
Pay attention to details
It is very important to submit real estate documents
Case 1:
Ms. Cao wants to buy the 10th floor of Anju Community in Erdao District For a second-hand house, the owner said that although his property was a renovated house, the house registration time had been more than 5 years, and the tax on the transaction name change would not be too much. Ms. Cao believed it. As a result, when I went to the real estate trading center to change the name and transfer the property and pay taxes, I was told that the property had been registered within 5 years. The tax for the name change was tens of thousands of yuan more than before. Unfortunately, the house transaction was shelved.
Expert advice:
Yan Lijuan, deputy general manager of Wangju Real Estate: Before buying a house, it is very important to file the property and check the condition of the house, not only to confirm the owner and the authenticity of the property title certificate Fake; you can know the specific age of the house to calculate the loan term; and you can also know whether the property has a mortgage or financial disputes that prevent normal transactions, but this link is often ignored.
When submitting documents, buyers and homeowners can go to the Changchun Real Estate Archives located at the intersection of Xihuancheng Road and Jingyang Road to retrieve the documents.
There are rules for intermediary fees
Case 2:
Mr. Li is optimistic about a second-hand house, but the house does not have a title certificate. At this time, the homeowner heard that an intermediary company could handle housing loans without a property title certificate, and the intermediary would sign a contract with the customer in the early stage. If the loan could not be processed, the deposit would be doubled. Mr. Li and the homeowner entrusted the intermediary to handle the loan and handed the down payment to the intermediary company for safekeeping. As a result, after the two months promised by the intermediary, Mr. Li still did not get the loan, and the intermediary company also used various reasons to shirk the loan.
Expert advice:
Major banks in Changchun City have made it clear that it is impossible for banks to provide loans for second-hand housing transactions without property rights certificates. Mr. Li can only pursue the legal liability of the intermediary company and recover liquidated damages and down payment through the contract.
Yan Lijuan, deputy general manager of Wangju Real Estate: At present, the second-hand housing agency industry has clear charging standards. For buyers who view the house at the agency company, an agency fee of 2% of the total house payment will be charged. For agency loan name change services, , charge an agency fee of 3,000 yuan.
Confirm loan qualifications in advance
Case 3:
Mr. Zhang wanted to buy a second-hand house. After signing a contract with the owner, he went to the bank to apply for a loan, but was rejected. It was found that there were 7 bad credit records, and the bank refused to lend to him. The owner refused to return the deposit for the house. Mr. Zhang failed to buy the house and lost the deposit.
Expert suggestions:
Liang Zhonghua, Wangju Real Estate Loan Specialist: Banks generally stipulate that loans will not be granted to those with bad repayment records for more than three consecutive times or more than six times in total. Therefore, before purchasing a house, the buyer needs to go to the second floor of the Financial Building at No. 2133 Renmin Street, north of People's Square, to obtain his or her credit report to determine his qualifications for a loan to purchase a house.
It is best to have a third party intervene
Case 4:
Mr. Wang wanted to buy a house without going through a third party. When it came to the name change transaction, Mr. Wang Both the homeowner and the owner have concerns. The landlord asked Mr. Wang to pay the house price in full before cooperating with the name change. He was worried that if the payments were made separately, Mr. Wang would not pay the balance after the name change. However, Mr. Wang was also worried that the landlord would not cooperate with the name change after receiving the full payment. For a time, the two sides reached a deadlock.
Expert advice:
Wu Hongfei, a lawyer at Jilin Gongcheng Law Firm: In this case, the buyer and seller can go to the bank to apply for fund supervision, that is, both parties open public accounts and transfer all the property The money is deposited into the account, and each withdrawal must be present and signed by both the buyer and seller at the same time to take effect, thereby reducing transaction risks. He suggested that if there are differences between the two parties regarding the name change of the transaction, a third party such as a bank or intermediary company can be involved.
Loans must have a floating budget
Case 5:
Ms. Chu wants to buy a second-hand house, but she only has 120,000 yuan in hand. The intermediary promised that she would buy a second-hand house. The down payment for a second-hand house is within 120,000 yuan. As a result, during the transaction, Ms. Chu was told that she needed to pay an additional down payment of 20,000 yuan. Ms. Chu could not afford it, causing the transaction to be shelved, and the landlord refused to return the deposit.
Expert advice:
Li Guang, Wangju Real Estate Loan Specialist: Since the appraisal price of second-hand housing loans is determined by the appraisal company designated by the bank, it is impossible for the broker of the intermediary company to accurately grasp Evaluating the price makes it impossible to accurately give the down payment amount, so when buying a house, buyers should leave room for floating budget for the down payment.
Be sure to sign a contract with the landlord
Case 6:
Ms. Dou purchased a second-hand house through an intermediary company. When signing a contract with the landlord, she discovered that The person who signed the contract was not the homeowner himself, but was told by the intermediary that this person had a certificate of entrustment from the homeowner. Ms. Dou believed it to be true and did not check the notarization of the power of attorney. We later discovered something was wrong, but it was too late.
Expert advice:
Wu Hongfei, a lawyer at Jilin Gongcheng Law Firm: Ms. Dou can sue the intermediary in court. The buyer is reminded to meet the homeowner in person. If the seller is entrusted by the homeowner, he must confirm that he has a valid notary letter of entrustment. 》》Click to view more Changchun real estate news
House buying process
House selection and filing
Go to Changchun Real Estate Archives (Changchun Real Estate) with the homeowner Information Center) to extract the selected housing files.
Address: Block B, Changchun Real Estate Exchange Market, at the intersection of Jingyang Road and Xihuancheng Road, Green Park.
Loan name change
Seller: house ownership certificate, ID card, household registration book, marriage certificate, house files
Buyer: ID card, household registration book, marriage certificate , income certificate, bank statement, credit report
Spare parts for both parties
(1) The bank accepts the buyer’s loan application and pre-examines the loan conditions;
(2) After passing the preliminary review, a special appraisal company will be established to evaluate the price of the transaction house;
Bank preliminary review
(about 2 working days)
(1) After passing the preliminary review , the bank notifies the buyer and seller to sign the buyer's loan contract on site, and the authenticity of the buyer's loan qualifications will be verified on site; (2) The bank will ask both the buyer and the seller to open accounts, and the bank accounts of both parties will be included in the loan contract Mark;
(3) The bank will ask the buyer to deposit the down payment into his account and freeze it.
Bank interview
(1) The bank will systematically score the buyer’s loan qualifications and determine the lender’s loan qualifications based on the computer score, thereby determining the loan interest rate;
(2) During this period, we will continue to verify the authenticity of the buyer’s loan qualifications through telephone inquiries and other methods.
Audit
(about 7 working days)
(1) After receiving the notice from the bank, the buyer and seller go to the Changchun Real Estate Transaction and Ownership Registration Center Register the name change at the Jinglu Service Center or Jingyang Branch, and hand in materials from both parties (name change materials);
(2) The service center collects the materials and issues a name change receipt (this order is held by the seller) Afterwards, the buyer and seller need to return to the bank on the same day to confirm that the name change is being processed, and the bank will transfer the down payment to the seller's account;
Name change
(about 2 working days)
p>(1) The buyer goes to the property rights exchange center to obtain the house ownership certificate, and then delivers the original to the lending bank and the copy to the appraisal company, which will submit the appraisal reports to the bank in batches;
(2) In about 7 working days, the bank will notify the buyer to go to Changchun Real Estate Transaction and Ownership Registration Dajing Road Service Center or the Property Mortgage Section of Jingyang Branch Center to make a mortgage (the bank loan officer will work with the buyer to Go);
(3) The buyer signs the property mortgage at the property mortgage office, and then receives the mortgage receipt;
(4) About 4 working days, the property mortgage office Inform the buyer to replace the house ownership certificate and other rights certificates with the words "loan mortgage", and the buyer needs to send other rights certificates to the bank;
(5) The bank will have a mortgage limit if In this case, the payment will be given to the homeowner within 3 working days.
Mortgage lending
(The above answer was published on 2016-12-06, please refer to the actual relevant current home purchase policies)
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