First, consultation:

When buying and selling second-hand houses, all kinds of rumors in the intermediary mouth always make some buyers puzzled: what are bunk beds, bunk beds directly operated and bunk beds joined? What do you mean by washing dishes, running dishes and sealing dishes? What do you mean by "Jumping Disk", "Jumping Guest" and "Jumping Sheet"? Knowing these common sense, I believe it will be helpful for second-hand housing buyers.

Branches of brokerage companies, known as stores in the mainland, refer to offices specializing in second-hand housing transactions.

It belongs to a direct management organization of the brokerage company.

A way to join a brand intermediary company because of qualification or other problems, aiming at avoiding market risks and taking advantage of brand effect, but the parent company does not directly participate in management.

Intermediary personnel know the latest developments and basic situation of the house through the owner's information or other means.

Learn about real estate information by visiting and calling.

This is a temporary marketing strategy when customers plan to buy real estate. Only branch managers or designated personnel have the right to view real estate information when the discount expires.

Colleagues dug up the owner's house.

Dig away its customer resources through peers.

After the buyers and sellers set up a platform through an intermediary, they "kick down the ladder" and trade privately.

Second, registration.

If you think finding a house is a time-consuming, laborious and expensive thing, then living in Hangwang will give you a few tips to do it.

First register as a member of Hangzhou Net, and register the information of buying a second-hand house in the service area, so that the seller can contact you unexpectedly. It is very easy to register online in Hangzhou. Please fill in your purchase requirements on the registration form. A large number of sellers who want to sell second-hand houses directly through Hangzhou will take the initiative to contact you when they see your purchase information. Registration is completely free!

Second, take the initiative to find a house. You can find the sales information through the database of Hangzhou Net. Whether you are a member or not, you can find first-hand information from the seller.

Third, you can also use other methods, such as advertising in newspapers, inquiring notices in newspapers, streets and telephone poles, asking acquaintances, looking for intermediaries or hiring agents. However, the second-hand housing agency mechanism is not perfect at this stage, and we also remind everyone to be cautious.

Third, pairing

In the process of choosing a house, you should pay attention to the following factors:

Price: How to make the most reasonable investment within the price range you can afford needs to consider many factors, such as monthly income, expected repayment ability, loan method, bank interest rate, appreciation potential of lots and so on. Of course, it is best to listen to the advice of experts. Look at hundreds of gossip (what location is the hottest, what apartment is the hottest, what price is selling well, and so on). )

Traffic conditions: basic necessities of life. Traffic is an important factor for buyers to consider. Extending in all directions, the property with parking spaces can make the best use of it. At present, the areas with relatively convenient transportation are residential areas with many bus lines and close to expressways.

Community environment: In densely populated cities, community environment has become a factor that buyers pay more and more attention to before investing. The greening degree, humanistic environment, safety and supporting facilities of the community may have a great impact on your life after moving in.

Huxing structure: the choice of Huxing mainly considers the composition of family members and the requirements of the owner's housing functions, such as the choice of storey height, the orientation, vision, lighting and privacy of the house.

Fourth, look at the house

How to choose an existing house?

Whether to choose an existing house first has a bright hall and a bright room. Living room (living room), bedroom, kitchen, dining room, bathroom, study, etc. It is a space where family members often move. Direct lighting can avoid turning on the lights during the day and save energy. Besides, sunny days will make your life happier. The living room is a pattern that people like. It not only increases people's activity space, but also increases the privacy of the bedroom and maintains the warm taste of the family.

Whether the kitchen facilities are reasonable is an important aspect of room design, because housewives spend a lot of time in the kitchen every day. Modern cookers need a lot of space, so that they can be installed well. Generally, there are only three bathrooms, bathtub, toilet and sink. In fact, there is nothing wrong with installing a urinal for men in a narrow space, which uses 90% less water than using a toilet. In addition, the towel rack and glass mirror should be properly placed, which requires a reasonable layout of the bathroom. Also, the ventilation problem should be seriously considered. When choosing a house, we should be optimistic about whether the kitchen, bathroom and hall are equipped with vertical exhaust chimneys to keep the indoor air good. The heat insulation, heat preservation and rainproof functions of a house are the necessary hardware of the house, so you should pay special attention when choosing a house, especially the external wall of the house, whose material and thickness will have a great influence on the temperature of your room.

Fifth, talk about price.

Some people say that the key to buying a house depends on your bargaining power, which is not unreasonable, especially for buyers who want to invest. Only by buying a cheap house can you have your own profit space. Otherwise, it will not be profitable or even lose money after it is sold. The skill of real estate business negotiation lies in grasping the market dynamics and knowing well, and at the same time, we should know ourselves and ourselves. Finally, the heart should be "ruthless" and bargain hard. The knowledge of business negotiation is very rich. Only by making enough efforts can we have a definite plan and win the battle.

1, look at the house. The house is a real thing, and you can see everything. You should show your interest when you look at the house. If you are too cold, the seller can't bear to talk to you more. At the same time, carefully observe the structure, lighting, maintenance and surrounding environment of the house, listen to the seller's explanation and ask the seller more questions.

2. Master the background materials. How long the house has been on the market, how many people have offered the price, and how much the bid is, which can be used as a reference coefficient. The more people bid for a house, the stronger the resale ability of the house.

3. Let the seller know that you buy a house for self-occupation, not for resale. Usually sellers don't want the house sales staff to make a profit, but prefer buyers who live in their own homes. First, it can sell at a high price, and second, it is relatively simple. Second, to understand the seller's psychology:

How long it takes for the seller to sell the house is very important for when to bargain. The closer the deadline for selling the main house is, the more eager the seller is to sell. This is your best bargaining moment.

5. Know what the house money sold by the seller is going to do. If the seller's house payment is not urgent, it will be a lot of setbacks if the house is bargained. In this case, it's time for you to stop or turn around.

6. deposit. There is no certain standard as to how much the deposit is appropriate. It depends on everyone's needs and is negotiated by both parties.

Bargaining principle:

1, expose the shortcomings of the house, expose all the shortcomings of the seller's house, and make the seller lose confidence in his high price, so as to achieve the purpose of bargaining.

2, delaying tactics. If the seller is eager to get rid of it, he can deliberately delay the time, for example, he lied that it takes time to collect the money and waited until the last stage of the deadline to bargain.

3. Cooperation strategy. You can tell the seller that you invested with the partner * * *, and the price should be negotiated with the partner to bargain with one move and two types.

4. Play hard to get. For the house you see, you obviously like it, but you still have to express all kinds of reasons for not liking it in order to bargain.

In short, there are many ways to bargain. As long as the buyer is clear-headed, flexible in use and plays it by ear, he will get what he wants and succeed.

Intransitive verb deposit

Deposit dispute is a very common problem in the sale of second-hand houses. The main reason is that the family can't fully understand the legal meaning of "deposit". If the sale of second-hand houses is signed under the auspices of an intermediary, there are generally two deposits in the transaction process. The first deposit appears in the process of entrusting the next home by the intermediary, which is used to guarantee the next home to sign the "Real Estate Sales Contract" at a certain place within the agreed time and under the agreed conditions. If the next family reneges and does not sign the sales contract with the last family, it will bear the risk that the deposit will be confiscated by the last family. If the last family goes back on their word and doesn't sign the real estate sales contract, they will bear the responsibility of returning the deposit twice.

The second deposit appears in the real estate sales contract, which is used to ensure that after the sales contract is signed, the upper and lower families can earnestly fulfill their respective obligations according to the contract. In case of breach of contract, the breaching party shall bear corresponding responsibilities.

Of course, the upper and lower families can also directly sign a real estate sales contract without an intermediary, or they can stipulate a deposit clause in the contract to ensure that both parties can fulfill their respective obligations according to the contract after signing.

Seven. Signing intention

Experts suggest that the intermediary should sign a written agreement with the buyer and the seller to prevent disputes.

Case playback

Mr. Chen wants to buy a house through a real estate company. Xiao Wu, a real estate agent, took Mr. Chen to see dozens of properties, signed a power of attorney for intermediary services in the real estate company, and left a copy of his ID card. Subsequently, under the guidance of the real estate agent, Mr. Chen looked at the houses signed in the "Power of Attorney for Intermediary Services" and expressed great satisfaction on the spot. On the day of signing the contract, Mr. Chen met the owner. Mr. Chen said that he would not accept the deposit and sign it another day, so he lost contact with the real estate company. Afterwards, the real estate company discovered that Mr. Chen and the owner had privately concluded the property. The real estate company sued the court, and the court ordered Mr. Chen to compensate the commission of the real estate company.

"As a real estate agent, it is normal to take a dozen or even dozens of people to see the house. After a long trip, the customer' jumped the order' for a long time and did not return it. Who can understand this bitterness? " When it comes to the phenomenon of "jumping orders" in the second-hand property market, most real estate agents have hardships.

What we usually call "jumping orders" refers to the event that buyers and sellers skip the original intermediary company, reach a sales agreement privately or make a deal with other intermediary companies without paying the agency fee to the original intermediary company after the customers who have the demand for buying houses know the relevant information through the intermediary company. In today's second-hand housing sales, the phenomenon of "jumping orders" is not uncommon. A real estate agent said that in a month's time, the commission loss or brokerage dispute caused by "jumping orders" not only affected the normal work, but also the energy spent could not be estimated by money.

Why do you want to "jump the order"? In real estate transactions, the honesty and law-abiding of buyers and sellers and intermediary companies is the fundamental guarantee for the success of second-hand real estate transactions. In the usual consumption process, we may pay more attention to whether the intermediary company has set a "trap", and as consumers, in order to avoid related expenses, we will try our best to skip orders during the transaction.

Lawyer's view

This is a typical case of consumers "jumping orders". According to the analysis of the Legal Department of Shihua Real Estate, the signing of the "Power of Attorney for Intermediary Services" in front of the building shows that the intermediary company has a strong awareness of legal protection. The Power of Attorney for Intermediary Service is a confirmation of the labor and services paid by the intermediary. It is suggested that the intermediary company sign a customer confirmation letter with the seller to confirm the owner's name and property name respectively. According to Article 426 of the Contract Law, "If the trustee-trader facilitates the establishment of the contract, the client shall pay the remuneration as agreed".

To this end, lawyers suggest that while promoting the honest service of real estate agents today, intermediaries should not let the "jumping orders" behavior of buyers and sellers be ignored while improving the standard operation of services. In order to prevent "jumping orders", the intermediary should try to sign a written agreement with both parties to obtain favorable evidence for the intermediary, so as to facilitate the transaction between the two parties and minimize the legal risk of the intermediary.

Nine. loan on mortgage/security

The Borrower applies for and provides the following materials:

The borrower shall fill in the Application Form for Individual Housing Loan in China Construction Bank or the agency of the developer who signed the Cooperation Agreement with China Construction Bank, and provide the following materials:

My household registration book, ID card or other valid proof of residence;

Proof of occupation and income; Purchase contract or letter of intent and other relevant certification materials;

Proof of down payment accounting for 30% of the house price;

Other materials required by the agency of China Construction Bank.

perform formalities

The agency of China Construction Bank or the law firm (or notary office) entrusted by China Construction Bank shall investigate the information provided by the borrower.

The agency of CCB examines and approves the borrower's application.

The borrower opens an account, obtains a savings card and signs a loan contract.

Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures.

The loan contract takes effect and the funds are transferred to the developer's account.

How does the borrower repay the loan

During the loan period, the borrower repays the principal and interest of the bank loan with the same monthly repayment amount.

The borrower can choose two ways: automatic deduction by computer or repayment by the networked savings office of the loan bank, and repay the loan principal and interest on a monthly basis.

X. Down payment

1, commercial loan or railway provident fund loan

A, according to the requirements of bank policy, the down payment ratio must be credited to the deposit account, and it is agreed to be transferred on specific working days;

B the mortgage loan shall be transferred to the transferor within 5 working days after the transfer of the title certificate and deed certificate of the buyer. If there is no loan at the end of the month, it will be postponed for 5 working days. The payment method of railway provident fund balance refers to the provincial provident fund;

C. Commercial loans (free of insurance and notarization fees)

Quality customers under 30 square meters and 90㎡ (including 90㎡), with stable income, no bad records and no other loan records, can make a down payment of 30% and a loan of 70%;

High-quality customers with stable income, no bad records and no other loan records can get 70% loans with a minimum down payment of 30%;

2. Basic conditions for provincial and municipal provident fund loans (insurance premium and notarization fee for provident fund loans)

A. After continuous payment for one year in Hangzhou, the monthly payment is 196.5 yuan, and the loan amount for individuals or couples does not exceed 300,000 yuan;

B, continuous payment in Hangzhou for one year, with a monthly payment of 393.0 yuan, and the loan amount for individuals or couples does not exceed 500,000 yuan;

C. Age condition: male is 60 years old; Female 55 years old.

3, the provincial provident fund loans or provincial provident fund plus commercial portfolio loans

A, the down payment can be 30% and credited to the deposit account according to the requirements of the provincial provident fund center, and it will be transferred to Party A on the specific working day;

B the mortgage payment shall be transferred to the transferor within 5 working days after the transfer of the title certificate and deed certificate of the buyer. Lend money on the specified date every week, and if it is not lent at the end of the month, it will be postponed for 5 working days;

C, all provincial provident fund loans can only be half of the transaction price; The loan term+house age shall not exceed 40 years.

D. Second-hand houses in Xiaoshan and Yuhang District are not allowed to apply for provincial provident fund loans;

4. Urban provident fund loans or urban provident fund plus commercial portfolio loans.

A the down payment shall be credited to the deposit account according to the requirements of the municipal provident fund center and transferred to Party A according to the requirements of bank working days;

B transfer the mortgage payment to the transferor within 5 working days after the ownership certificate, deed certificate and state-owned land use certificate of the buyer are transferred. If the loan is not released at the end of the month, it will be postponed for 5 working days;

40% down payment for houses before C 95; After 95 years (including 95 years), the down payment shall not be less than 30%. Regardless of the size of the area, the longest loan period does not exceed 30 years, and the loan period+house age does not exceed 40 years;

D If you normally pay the city provident fund in Yuhang, Xiaoshan, Lin 'an, Fuyang, Tonglu, Jiande and Chun 'an, you can apply for a city provident fund loan when you buy a house in Hangzhou.

5. Note: All loan amounts must be integers, that is, thousands of digits or more (hundreds of digits are allowed for down payment).

XI。 assess

Buy or sell a house

In order to determine a reasonable transaction price, both parties to the transaction may entrust an appraisal firm to make an appraisal, and the appraisal price will be used as a reference for the transaction price. In order to avoid the normal transaction being affected by the fact that both parties do not know the value of the property and the expected difference is too far.

Pay property tax and fees

When both parties declare their transaction price to the real estate management department, if the real estate management department thinks that it is obviously lower than the market value, it will entrust a professional appraisal institution with certain qualifications to evaluate the traded real estate, and take the evaluated price as the basis for paying taxes.

Apply for a bank loan

When applying for a real estate mortgage loan from a bank, the mortgagor takes the collateral as the guarantee for repayment, and the bank needs to evaluate the real estate mortgaged by the mortgagor to determine the guarantee value of the collateral. In order to confirm the value of the real estate owned by the borrower and determine the amount of loans it may get, the borrower will also entrust an appraisal agency to evaluate the value of its real estate.

Solve real estate disputes

In the event of a real estate dispute, an authoritative professional real estate appraisal institution may be entrusted to make a scientific evaluation of the value, transaction price, construction cost, construction cost, rent, compensation amount, compensation amount and appraisal result of the disputed real estate involved in the dispute case, and put forward objective, fair and reasonable opinions, so as to provide reference for solving disputes through agreement, mediation, arbitration and litigation.

Twelve. confirm

In addition to the purchased commercial houses, public houses purchased at the cost price without prior agreement with the original property unit can also be directly listed and traded.

The review of these properties includes the following points:

(1) When the first page or the second page of the house ownership certificate has red seals such as "house sold at cost", "house sold at cost" or "privately owned", it means that the house was purchased at cost.

(2) See whether there are clauses such as "the unit has the preemptive right", "the sale and transfer must be approved by the original property right unit" or "it is not allowed to be listed within five years" in the sales agreement signed with the original property right unit.

In addition, if it is purchased at the cost price and agreed with the original property right unit in advance or purchased at the standard price or preferential price, it is necessary to submit the "Consultation Form for the Sale of Purchased Public Housing and Economically Applicable Housing" to the original property right unit, and it can be listed and traded only after it is approved by the original property right unit.

The contents of the review include:

(1) When the first page of the house ownership certificate has red seals such as "* private house premium", * private house standard ","preferential sale "or" standard sale ",it means that the house was purchased at the standard price or preferential price.

(2) See the agreement in the sales agreement signed with the original property right unit.

Of course, the original title certificate must be read, and at the same time, it must be verified by the competent department and the district and county real estate bureau where the house is located, and finally confirm whether the house is qualified for listing and trading.

Thirteen. transfer of ownership

"I want to buy a house recently, just as my friend has a house to sell, and the location of the apartment is quite satisfactory to me. How to deal with the transfer of property like this private transaction? " A few days ago, the reader Mr. Fan called to ask.

Like Mr. Fan, the second-hand house transfer DIY, which is not through an intermediary company but through his own transaction, is commonly known as the "hand in hand" method in the real estate intermediary industry. Trading a set of 700,000-800,000 yuan of second-hand houses, the unilateral agency fee is about 700,000. Some property buyers feel that the agency fee is high, and they prefer to run errands for the complete procedures of registration, transfer and tax payment. How to DIY the property transfer? Relevant persons reminded that this means that both parties to the transaction must have enough energy and time, because the follow-up procedures such as property transfer and mortgage are more complicated, involving banks, evaluation, agricultural tax, housing management, land management and other parties. If there is a problem with the property rights of the house, you must go to the property rights trading center to check the property rights. Of course, if you are not afraid of trouble, you can come by yourself.

Trading DIY is divided into nine steps.

From buyers and sellers to house payment settlement, holding hands must go through strict procedures. What to do first, then what to do, only if the procedure is right, will we take fewer detours.

The first step is for the buyer to investigate the property rights of the house. When examining the integrity, authenticity and reliability of property rights, we should pay attention to whether the owner's name on the property certificate is consistent with that of the seller, whether there is mortgage or not, and whether there is anyone. This is the most critical for the buyer, otherwise everything that is done later may be in vain.

The second step is to sign a second-hand house sales contract. The buyer and the seller discuss the house price, payment method, liability for breach of contract and delivery time, and agree on the deposit. Buyers and sellers can download the format contract text from the relevant website of the housing management department, or go to the intermediary company to ask for the contract text.

The third step is to find an evaluation company to make an evaluation. This process usually takes 5~7 working days.

The fourth step, the loan house should handle the relevant mortgage business. If it is a combination of provident fund loans and commercial loans, you must apply to the provident fund center and the bank at the same time. This is the most time-consuming stage in the whole DIY process of second-hand houses, which generally takes about 40 working days.

Fifth, after handling the mortgage, we should pay attention to the cancellation of other property warrants.

Step 6, hand over the contract to the relevant service window of the property rights trading center of the housing management department and receive the acceptance form.

Step 7, pay the relevant taxes and fees to the agricultural tax center with the acceptance form, and get the tax payment contract certificate.

Step 8, go to the housing management department to apply for the real estate license with the tax contract certificate.

Step 9, go to the land management department to apply for the land certificate with the tax payment deed certificate.

After these steps, the three certificates of real estate have been completed. The whole process takes about one and a half months to two months.

There are two details that must be noted.

Disputes over the sale of second-hand houses caused by irregular contract signing occur constantly, so we must pay attention to some details when signing the contract to avoid disputes as much as possible.

The first thing to pay attention to is the detailed agreement on housing conditions. Since there is no intermediary company to check in advance, second-hand housing traders must "do it themselves" to find out the exact area of the house, the internal structure and decoration level of the house and whether there is any problem with the quality of the house.

When determining the housing area, due to the age of some houses, sometimes the actual area of the houses sold does not match the area indicated in the real estate license, such as surveying and mapping errors at that time and some donated areas. Therefore, it is stipulated in the contract that the area of the house for sale shall be subject to the current real estate license, and other areas shall not be counted.

Regarding the facilities in the house, the owner often verbally assures the customer when signing the sales contract that the decoration of the house, air conditioning and other household appliances can be given away. As a result, when the house was actually delivered, there was nothing in the house. In fact, this kind of dispute can be avoided as long as it is indicated in the contract when buying a house.

Secondly, we should pay attention to the agreement of housing taxes and fees. There are more than ten kinds of related taxes and fees involved in second-hand housing, and different tax and fee policies are available for different types and situations. It is not easy to calculate this account. Although in the process of transaction, both parties often agree on the responsibility of taxes and fees, there are also many transaction disputes caused by over-counting or under-counting taxes and fees when actually paying taxes and fees.

In the whole transaction process, the fees involved are not collected at one time, so both parties must make clear all the detailed fees in advance to avoid adding various miscellaneous fees in the middle, which will bring sequelae to the transaction.

The standard practice in the industry is that at every step of the transaction, the intermediary agency will transfer a part of the buyer's house payment to the seller accordingly. In the case of direct transaction between the buyer and the seller, the proportion of the house payment paid by the customer to the owner on the day of transfer can be indicated, and the last part of the balance should be invested within a period of time after the house inspection.

Second-hand housing transfer DIY saves money but is laborious.

Although you can save a lot of agency fees by handling the transfer of second-hand houses yourself, it is a money-saving but laborious thing for ordinary buyers because it involves many departments and related professional knowledge.

In fact, for some individuals who are not familiar with the second-hand housing transaction process, a better way is to entrust an intermediary company to apply for a certificate. At present, most intermediary companies have carried out hand-in-hand business, both pure accreditation business and relatively comprehensive business including signing contracts, fund supervision and house acceptance.

If you apply for a permit, the current fee is generally around 300~400 yuan/set; If it is a comprehensive business, because the whole process only saves the previous steps such as house inspection and property right confirmation compared with buying a house through an intermediary, the fee charged is about 20% of the ordinary intermediary fee.

Fourteen Property delivery

Review whether the houses sold are in arrears with property management fees, water, electricity, heating and public maintenance funds.

(1) Property management fee, including electricity fee, heating fee, sanitation fee, security fee, public maintenance fund, etc. , you can contact the residential property company directly;

(2) Keep records of water charges. If the property management company doesn't accept it, you must contact the water company.

(3) The heating fee shall be paid annually, from1October 15 to March15 of the following year, and generally collected by the property management company;

(4) Remember the list number of natural gas. (If the property management company does not accept it), be sure to contact the natural gas company;

⑤ Ask whether the telephone fee, cable TV fee and internet fee have not been paid;

⑥ Turn the key to prompt the buyer to replace the lock cylinder;

7. It is best to leave copies of receipts and invoices for settlement of various expenses.

Fifteen, get a license

There are eight ways to distinguish the authenticity of the title certificate:

Look at the cover. The cover of the certificate of title is hard and textured, with concave and convex feel, bright color (crimson) and clear and eye-catching font texture. The cover of the fake title certificate is smooth, dark (crimson) and soft.

Look at this paper. The real inside page of the title certificate is made of professional watermark paper, which is similar to the watermark of RMB. The pattern is villas and buildings. Its identification method is similar to the watermark head of RMB, which can only be seen under the light, while the watermark of fake property right certificate is fuzzy. The paper of the real title certificate is smooth and solid, and there is a loud noise when you shake it gently with your hand. Fake paper feels loose and soft;

Third, look at the anti-counterfeiting shading. The background of the real estate license has the words "house ownership certificate" in relief, which has a strong three-dimensional sense, clear handwriting and easy identification. False title certificate is difficult to achieve the unity of color depth and color;

Fourth, look at the seal of the issuing authority. The seal on the first page of the real estate license is the administrative official seal of "so-and-so real estate management bureau" printed in red by the machine. Fake title certificates are generally stamped with hand-carved official seals, because the paper is relatively thin and it is easy to see the traces of the reverse seal.

Fifth, look at the registration number. The house registration number below the reverse side of the cover of the real certificate is printed by machine, which is linear and feels concave and convex by hand. The registration number of the fake certificate is stamped with a hand-carved seal, which has no concave-convex feeling;

Sixth, look at sewing. The inner pages of the real title certificate are stitched neatly, and the inner pages of the fake title certificate are glued together, and the stitching is also obvious;

Seven, look at the postscript. The contents of the postscript column on the third page of the immovable property certificate include: the source of property rights, the shared area, etc. And the postscript in the false title certificate is blank;

Eight, look at the drawings. The household registration drawing of the real estate certificate is special paper, which is relatively thick, while the drawing of the fake certificate is very thin, which is similar to the thickness of the general A4 paper.

Sixteen, play balance

At present, some sellers ignore the second-hand housing loan guarantee, which leads to the delay in obtaining most of the house payment balance.

Reportedly, at present, the usual way of second-hand housing transaction loans is: the seller first transfers the property right of the house to the buyer's name, and then transfers the seller's land certificate to the buyer's name with the title certificate already in the buyer's name, and the buyer gets the land certificate. Then take the property right certificate and land certificate already in the buyer's name, go to the real estate registration department to handle the mortgage registration formalities of the buyer's loan to the bank, and then the bank can issue the loan. This process takes more than half a month, nearly 1 month. In other words, the buyer only needs to pay the seller about 40% of the purchase price to get the house ownership certificate; The seller has lost all the rights of the property, but it will take nearly 1 month to get the full amount. In this process, if the buyer's bank loan is not approved, the seller will not get most of the remaining house payment.

In this regard, the housing management department reminded that the second-hand housing transaction loan should pass a qualified guarantee company. When the buyer and the seller transfer the transaction, the guarantee company shall first assume the guarantee responsibility for the buyer's loan to the bank, and the bank will lend the loan to the guarantee company and pay it to the seller in time. After the seller takes away the house payment, the guarantee company will handle the formalities of land certificate transfer and mortgage registration for the buyer. In this way, all possible risks will be borne by the guarantee company, and the guarantee company will also control all subsequent procedures to ensure that the property will not be used by illegal intermediaries and illegal agents.

I hope it helps you.