1. The buyer and the seller sign the house sales contract first;
2. The seller shall properly handle the related matters that the house does not meet the transaction transfer conditions;
3. If a property buyer buys a house with a mortgage loan, he should apply for a loan from the bank and get a written reply from the bank; If the buyer pays in one lump sum, this step is unnecessary;
4. Both parties should bring the original real estate license, ID card, etc. According to the requirements of the local housing authority, and to the real estate exchange for trading applications. If you need to pay some taxes in advance before delivery, get the money ready.
5. After successful delivery and receipt from the real estate exchange, the buyer shall pay the down payment to the seller as agreed.
6. After completing the formalities of tax collection, tax payment and transfer, the buyer pays the balance of the house price, and the seller delivers the house to the buyer on the same day.
7. The seller shall assist the buyer to complete the handover procedures of property management office, power supply department and other related matters.
What are the transaction steps of Dongying second-hand house? How much do you pay in the middle? First of all, there is a one-time payment and a second-hand housing loan.
There are also programs to run by themselves and through intermediaries.
You can find a house through an intermediary. If you are satisfied, you can sign the house viewing agreement first, then pay the down payment, go through the formalities of the real estate bureau, go through the formalities of bank loan, and then transfer the ownership.
This means that if you need a loan, if you pay it in one lump sum, the agency fee may be less or you don't need an agent.
The necessary expenses include appraisal fee and deed tax. If you buy a second-hand house with a real estate license of less than 5 years, there are bigger ones.
The advantage of intermediary is that it is easier to handle many things such as water, electricity, heating, property fees, etc. during the transfer, for example, the agreed part in the process of buying a house is witnessed by a third party.
If you buy a second-hand house in Dongcheng, you can go through a friend agency 765 1980, hehe.
I wish you a satisfactory and cheap house.
What should I pay attention to in second-hand housing transactions? Matters needing attention in second-hand housing transactions are as follows:
1, find out the property rights of houses and adjust production.
2. Check the house, use and water use on the spot.
3. Choose a reliable intermediary company.
Second-hand housing transaction process Second-hand housing transaction should pay attention to what second-hand housing transaction process is as follows:
1. The buyer and the seller sign the house sales contract first;
2. The seller shall properly handle the related matters that the house does not meet the transaction transfer conditions;
3. If a property buyer buys a house with a mortgage loan, he should apply for a loan from the bank and get a written reply from the bank; If the buyer pays in one lump sum, this step is unnecessary;
4. Both parties should bring the original real estate license, ID card, etc. According to the requirements of the local housing authority, and to the real estate exchange for trading applications. If you need to pay some taxes in advance before delivery, get the money ready.
5. After successful delivery and receipt from the real estate exchange, the buyer shall pay the down payment to the seller as agreed.
6. After completing the formalities of tax collection, tax payment and transfer, the buyer pays the balance of the house price, and the seller delivers the house to the buyer on the same day.
7. The seller shall assist the buyer to complete the handover procedures of property management office, power supply department and other related matters.
Ten points for attention in second-hand housing transactions:
1. Is the property right of the house clear?
Some houses have multiple owners, such as heirs, families and couples. To this end, the buyer should sign a house sales contract with all owners. If only some * * * people dispose of the property owned by * * without authorization, the sales contract signed by the buyer with other * * * people is generally invalid.
Second, is the land situation clear?
Second-hand housing buyers should pay attention to the nature of land use, whether it is allocation or transfer. The allocated land is generally used free of charge and can also be recovered free of charge. Transfer means that the owner has paid the land transfer fee and the buyer enjoys more complete rights to the house. Also pay attention to the service life of the land. If the land use right of a house is only 40 years and the owner has used it for more than ten years, then it is a bit uneconomical for the buyer to measure whether it should be based on the price of commercial housing with the land use right of the same lot for 70 years.
Third, whether the transaction house is being rented.
Some second-hand houses have a material burden when they are transferred, that is, they are also rented by others. If buyers only look at the property ownership certificate and pay attention to the transfer procedures, but not whether there is a lease, then it is very likely that buyers will get a property that cannot be moved in or used in time. Because our country, including most countries, recognizes that "buying and selling does not break the lease", that is to say, the house sales contract cannot compete with the previous lease contract. This point is ignored by many buyers and intermediary companies in practice, and is also used by many sellers, which leads to more disputes.
4. Whether the house formalities are complete.
The real estate license is the only proof that the owner owns the house. There is a great risk for the buyer not to get the house if he conducts the house transaction without the real estate license. The owner can mortgage or resell the real estate license, even if it is not obtained in the future, the owner can mortgage and resell it. Therefore, it is best to choose a house with real estate license for trading.
Verb (abbreviation of verb) Is welfare home legal?
Housing reform, housing projects and affordable housing are all welfare housing policies, which will be subject to certain restrictions when they are transferred. Moreover, these houses have certain national regulations on the nature of land and the scope of housing ownership, and buyers should avoid conflicts between sales contracts and national laws when purchasing.
6. Whether the property management fee is in arrears.
Some owners have long been in arrears in property management fees, electricity fees and gas (natural gas, heating and gas) fees when they transfer their ownership, and have already owed a lot of fees. The buyer bought the house without knowing it, and the buyer may have to bear all the expenses.
Seven. Does municipal planning have an impact?
Some homeowners may be eager to sell their second-hand houses because they know that their houses will be demolished in about 5 to 10 years, or that high-rise houses will be built near their houses, which may affect the municipal planning conditions such as lighting and price. As a buyer, you should fully understand the details when buying.
Eight, whether the unit housing infringement.
The housing of general units includes cost employee housing and standard employee housing. The nature of the two plots of land is allocated, and the land use fee should be paid when transferring. Furthermore, for the standard-priced housing, the general unit enjoys part of the property rights, and the unit enjoys the preemptive right when the employees transfer their ownership. If the buyer does not pay attention to these, it may infringe upon the legitimate rights and interests of the unit together with the owner.
Nine, whether the intermediary company violates the rules.
Some intermediary companies provide intermediary services in violation of regulations, such as providing zero down payment service for buyers when lending second-hand houses, that is, all the money paid by buyers can be defrauded from banks. Buyers think they have taken advantage. I don't know if the bank finds out, all the responsibilities may be borne by him.
X. Is the contract clear?
Although the second-hand housing sales contract does not need to be as comprehensive as the commercial housing sales contract, it should also clearly stipulate some details, such as contract subject, rights protection, housing price, transaction mode, liability for breach of contract, dispute settlement, signing date and so on.
Precautions for second-hand housing transactions? Second-hand housing transaction process letter professional, choose chain home, chain home real estate to serve you wholeheartedly!
1, the whole process of second-hand housing transaction can be roughly divided into the following stages:
(1). The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents.
(2) If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign a house sales contract (or a house sales contract). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.
(3) The buyer and the seller apply to the real estate transaction management department for review. After the buyer and the seller apply to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures for the houses that meet the listing conditions. If there is no property right or some property rights without the written consent of other property rights, the application will be refused and the listing transaction will be prohibited.
(4) deed of house. The real estate transaction management department shall, according to the property right status of the transaction house and the purchased object, report it to the examination and approval level by level according to the examination and approval authority set by the transaction department in advance, and both parties to the transaction may go through the formalities for signing the deed. Now Beijing has cancelled the real estate sales contract during the transaction, which is also commonly known as the "white contract".
(5) Pay taxes and fees. The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.
(6), handle the transfer of property rights transfer procedures. After the real estate transaction management department completes the registration of property right change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate.
(7) For the buyer of the loan, after signing the house sales contract with the seller, the buyer and the seller go to the loan bank to handle the loan formalities. The bank will review the buyer's credit, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.
(8) After the buyer has obtained the ownership certificate of the house and paid off all the house price, and the seller has delivered the house and settled all the property fees, all the second-hand house sales contracts of both parties have been fulfilled.
2. Ten Points for Attention in Second-hand Housing Transaction
(1.) Is the house complete?
The real estate license is the only proof that the owner owns the house. There is a great risk for the buyer not to get the house if he conducts the house transaction without the real estate license. The owner can mortgage or resell the real estate license, even if it is not obtained in the future, the owner can mortgage and resell it. Therefore, it is best to choose a house with real estate license for trading.
(2) Whether the property right of the house is clear.
Some houses have multiple owners, such as heirs, families and couples. To this end, the buyer should sign a house sales contract with all owners. If only some * * * people dispose of the property owned by * * without authorization, the sales contract signed by the buyer with other * * * people is generally invalid.
(3) Whether the transaction house is rented.
Some second-hand houses have a material burden when they are transferred, that is, they are also rented by others. If buyers only look at the property ownership certificate and pay attention to the transfer procedures, but not whether there is a lease, then it is very likely that buyers will get a property that cannot be moved in or used in time. Because China, including most countries, recognizes that "buying and selling does not break the lease", that is to say, the housing sales contract cannot compete with the previously established lease contract. This point is ignored by many buyers and intermediary companies in practice, and is also used by many sellers, which leads to more disputes.
(4) Is the land situation clear?
Second-hand housing buyers should pay attention to the nature of land use, whether it is allocation or transfer. The allocated land is generally used free of charge and can also be recovered free of charge. Transfer means that the owner has paid the land transfer fee and the buyer enjoys more complete rights to the house. Also pay attention to the service life of the land. If the land use right of a house is only 40 years and the owner has used it for more than ten years, then it is a bit uneconomical for the buyer to measure whether it should be based on the price of commercial housing with the land use right of the same lot for 70 years.
(5) Does the municipal planning affect it?
Some homeowners may be eager to sell their second-hand houses because they know that their houses will be demolished in about 5 to 10 years, or that high-rise houses will be built near their houses, which may affect the municipal planning conditions such as lighting and price. As a buyer, you should fully understand the details when buying.
(6) Is the welfare home legal?
Housing reform, housing projects and affordable housing are all welfare housing policies, which will be subject to certain restrictions when they are transferred. Moreover, these houses have certain national regulations on the nature of land and the scope of housing ownership, and buyers should avoid conflicts between sales contracts and national laws when purchasing.
(7) Is the unit house infringing?
The housing of general units includes cost employee housing and standard employee housing. The nature of the two plots of land is allocated, and the land use fee should be paid when transferring. Furthermore, for the standard-priced housing, the general unit enjoys part of the property rights, and the unit enjoys the preemptive right when the employees transfer their ownership. If the buyer does not pay attention to these, it may infringe upon the legitimate rights and interests of the unit together with the owner.
(8) Is the property management fee in arrears?
Some owners have long been in arrears in property management fees, electricity fees and gas (natural gas, heating and gas) fees when they transfer their ownership, and have already owed a lot of fees. The buyer bought the house without knowing it, and the buyer may have to bear all the expenses.
(9). Is the intermediary company illegal?
Some intermediary companies provide intermediary services in violation of regulations, such as providing zero down payment service for buyers when lending second-hand houses, that is, all the money paid by buyers can be defrauded from banks. Buyers think they have taken advantage. I don't know if the bank finds out, all the responsibilities may be borne by him.
(10.) Is the contract clear?
Although the second-hand housing sales contract does not need to be as comprehensive as the commercial housing sales contract, it should also clearly stipulate some details, such as contract subject, rights protection, housing price, transaction mode, liability for breach of contract, dispute settlement, signing date and so on.
3. Beijing: you can find a bank as a payment intermediary for the sale of second-hand houses.
Because the two people who are doing business for the first time don't know each other, they are not fully sure about the safety of payment, especially in second-hand housing transactions, to prevent the risk of unscrupulous intermediaries intercepting funds or escaping after problems arise. If the money is collected and paid by the bank, it seems that both buyers and sellers can talk about the transaction calmly. Shanghai Pudong Development Bank recently launched this payment service for personal commodity transactions. Individual customers, from real estate and cars to postcards, handicrafts and antique transactions, can apply for the bank to "manage" the delivery of money.
Taking the second-hand housing transaction as an example, after the buyer and the seller reach a house purchase agreement, the buyer can first open a "Baofutong" account in the bank to deposit funds, and agree on the procedures and time for the down payment, property right transfer and full payment. The buyer may entrust all or part of the funds in the Baofutong account to the bank for supervision as required. After the transaction is completed, the bank will directly transfer the funds to the seller according to the transaction vouchers of both parties.
Traditional second-hand housing transaction banks "supervise" second-hand housing transactions.
Transaction cost process transaction cost process
● Charge 5‰~ 6‰ of housing transaction finance, that is, the buyer and the seller charge 2.5‰~ 3‰ of handling fees respectively.
● Other expenses are handled through intermediary companies, and the procedures are cumbersome.
● Charge a handling fee of 2.5‰ of the house transaction amount.
● The down payment for applying for a loan is free of handling fees, and it will be handled directly by the bank after the two parties reach a sales agreement.
What are the precautions for second-hand housing transactions and what should be paid attention to in second-hand housing transactions? Some second-hand houses were rented by others when they were transferred. If buyers only look at the property ownership certificate and pay attention to the transfer procedures, but not whether there is a lease, then it is very likely that buyers will get a property that cannot be moved in or used in time. Because in our country, it is recognized that "the sale does not break the lease", that is to say, the house sale contract can not compete with the previous lease contract. This point has been ignored by many buyers, causing disputes.
What is the transaction process of second-hand houses? Pay attention to the following points when buying and selling second-hand houses: 1, whether the housing procedures are complete (check the real estate license, land certificate and deed tax certificate in some areas); 2. Whether the property right is clear and uncontroversial (whether there is mortgage, seizure, divorce, inheritance and ownership); 3. Whether the transaction house is rented (note: the sale does not break the lease).
What do you need to pay attention to in Wujiang second-hand housing transaction? First, avoid the black-box operation of intermediary companies.
First, some intermediaries buy the owner's house in cash in the name of individual house purchase, and earn improper price difference by means of acquisition; In addition, although the nominal owner has sold the house and obtained the house payment, in fact, if the intermediary company uses the property still under the owner's name (not yet transferred) to engage in illegal activities, the owner still cannot intervene.
Secondly, when the owner signs an exclusive agency agreement with the intermediary company, there may be a overlord clause in the agreement, mainly because there is no time limit for agency sales in the agency agreement and no compensation standard for completing the entrustment on time. However, if the owner does not sell the house through an intermediary, he will bear a high penalty.
Third, in the transaction process, in most cases, all the expenses are borne by the buyer, but the illegal intermediary does not explicitly tell the buyer the expenses to be paid in the transaction process, but only tells the buyer the price needed to buy all the underlying real estate. In fact, the so-called all-inclusive price is much higher than the service fees and taxes charged by brokerage companies. Note 2. The condition of the house itself
Whether the house used for trading is illegal or has been included in the scope of demolition;
Whether the ownership of the house is controversial;
Whether the house is owned by * * *, the seller has not obtained the consent of the owner of * * *;
Whether the house has been leased to others, and the seller fails to notify the lessee in accordance with the regulations, infringing on the lessee's preemptive right and other rights;
Whether the house has been mortgaged and transferred without the written consent of the mortgagee;
Whether it has been sealed up or restricted by other forms according to law;
Whether there are quality defects in the transaction house. Note 3. Settlement and renaming of maintenance fund balance
Buyers and sellers usually agree on the settlement method of the maintenance fund in the contract, but sometimes the agreement is too general, only written and not issued. In fact, there will be exceptions when handing over the house, that is, the seller has not paid the maintenance fund or some maintenance funds have been used. Because the agreement in the sales contract is not clear, the seller can think that the maintenance fund is given, and the unpaid part or insufficient part is of course paid by the buyer himself; The buyer can also think that the seller should pay the full amount before moving the maintenance fund to the buyer's name. Therefore, when signing the contract, both parties should make clear the settlement amount of the maintenance fund. Note 4: Settlement procedures for living expenses such as water, electricity, coal, telephone and property management fees.
Such disputes often occur in the sale of houses. Due to the negligence of both parties, the daily living expenses were not settled when the house was handed over. When the buyer moved in and received the above bill, he found that the seller owed a lot of fees. When he went back to settle accounts, the landlord had no news, so he had to admit his bad luck and pay the arrears. Although the amount is not large relative to the house price, the buyer still can't find a balance point psychologically. In fact, this situation can be completely avoided, as long as the money above is settled on the day of delivery.
Note 5: Acceptance of ancillary facilities, devices, decoration, household appliances and furniture.
Generally speaking, the buyer will check and accept the above matters when handing over the house, and the problems such as sewer blockage and wall seepage are easily overlooked. The attached household appliances and furniture should be accepted according to the contract. It is suggested that the number and brand of donated furniture and household appliances should be clearly defined in the contract, or video materials should be used as an annex to the contract. Note 6: Household registration.
According to the usual trading habits, the seller should move out of the account before the transfer or delivery. Sometimes because there is no house to live in or the children go to school, the seller will ask for an extension of moving out of the account. In this case, both parties should agree in writing on the time of moving out of the account and the liability for breach of contract. Because the hukou cannot be forcibly moved out, the buyer should be cautious about the extension of the hukou. Note 7: Status of assessed contributions
An important part of the second-hand housing transaction is the need to evaluate the traded houses. The risk of this link is that the evaluation price of the house is too high or too low, which deviates from the market value of the house. If it is high, it will not be sold, and if it is low, it will lose money. Note 8: Is the contract clear?
Although the second-hand housing sales contract does not need to be as comprehensive as the commercial housing sales contract, it should also clearly stipulate some details, such as contract subject, rights protection, housing price, transaction mode, liability for breach of contract, dispute settlement, signing date and so on. When signing the contract, the buyer and the seller should clearly agree on the above issues to avoid disputes, even if there are disputes, there are rules to follow. If the delivery time agreed by both parties is in the last link of the transaction process, the buyer can reserve a part of the house payment and pay it after the delivery of the house, which can improve the seller's initiative to fulfill the obligation of delivering the house. After the delivery of the house, both parties shall sign a house handover book, which shall specify the matters that have been completed at the time of house delivery, and the recognition of the house handover matters by both parties shall be confirmed in writing.