2. On-the-spot house inspection: After the staff of the intermediary company determines the house you are interested in, they will contact the landlord to let you see the house on the spot.
3. Property right investigation: After determining a house, investigate the owner's documents, including his ID card and real estate license, to see if he has the right to house.
4. Signing a contract: After all the investigation work is completed, enter the contract signing link. At this time, it will be decided whether to pay in full or mortgage the house to the bank. Pay attention to whether the contract matters are consistent with the details discussed before.
5. Mortgage loan: At this time, you can apply for a loan from the bank, you can apply for it yourself, or you can find an intermediary.
6. Transfer: In this step, the seller is required to transfer money. Issues such as taxes and fees agreed by both parties will be completed together at this time. Of course, it's time to pay the down payment.
7. Bank Lending: After the approval, the bank will start to issue loans. Of course, it is time to repay the bank on a monthly basis.
What should the intermediary pay attention to when buying a house?
1. Choose a brand intermediary: There are more and more real estate intermediary companies, which makes it impossible for more and more buyers to distinguish which intermediary company has higher credibility or which intermediary company can provide better services for themselves. At this time, the best way is to choose a brand intermediary. Generally speaking, brand intermediaries are larger in scale, more standardized in system, better in service, more abundant in housing and safer in transactions, so only by choosing brand intermediaries can we avoid a lot of troubles.
2. Refuse to pay all kinds of miscellaneous fees other than agency fees: some agencies will also charge transfer expedited fees, fund guarantee fees, provident fund loan relationship fees, etc. But in fact, in addition to the taxes and fees charged by the state, formal intermediaries only need to charge intermediary fees, and all other fees are not charged.
3. It is best to negotiate directly with the seller face to face to avoid the intermediary maliciously raising the house price: in order to prevent the illegal intermediary from deliberately raising the house price for profit, it is necessary to fully understand the entrusted price of the seller, and it is best to negotiate directly with the seller under the organization of the intermediary. In addition to housing prices, it is also necessary to clarify the commitment of transaction taxes and fees. In addition, if some houses have ancillary facilities, the price should also be clearly stated. As for the intermediary commission, it is necessary to clearly stipulate the commission price, service content and commission amount, and make an agreement on the commission refund after the transaction fails.
4. Pay attention to the review of the signed written documents: in the process of dealing with the intermediary, it may involve the intermediary asking the buyers to sign many documents, such as entrustment contract, intermediary contract, power of attorney, house inspection form, letter of intent, commission confirmation form, etc. In order to avoid unnecessary risks, as long as the written documents involving signature, even a piece of registration information, should be carefully read and understood before deciding whether to sign.
The above is what Bian Xiao shared for you about the formal intermediary buying process. More information can focus on the construction industry and share more dry goods.