1, property right review before sale
First of all, we should carefully check the owner's real estate license and pay attention to how many people sign it. If it is two people, then you need to have two names when signing the contract; Then look at the relevant evidence when buying a house, such as purchase invoices, deed tax invoices, etc., as auxiliary evidence to initially confirm the ownership of the property.
2. Pay the deposit and sign the contract
After seeing the house and determining the property right of the house, it is natural to pay a deposit. But please don't ignore this link, there are tricks to pay the deposit. The house is worth one million yuan, and a 5% deposit can reach 50,000 yuan. So please pay more attention when the transaction reaches this stage.
3. Redeem the building
Salvation is also a university question. Different foreclosure methods have different costs, different mortgage time and different risks. Generally speaking, it is the owner's responsibility to redeem the building. There are two ways to foreclose: first, the owner borrows from the bank through the guarantee company, generating 0.8% guarantee fee and 0 .4% short-term foreclosure interest, and then goes to the bank for mortgage after the buyer's real estate license comes out; Second, the buyer mortgages the bank through the guarantee company, and the bank pays the ransom to the seller, which only needs to generate the guarantee fee, but the buyer needs to pay the mortgage in advance.
4. Down payment and fund supervision
In addition to property rights, the second major concern for independent transactions is the supervision of funds. In fact, the supervision of funds is systematic now, and both buyers and sellers do it in accordance with established regulations, with little risk. No matter how you trade, the down payment must be supervised by the bank.
5. Sign a sales contract
In the process of paying the deposit, the reporter has informed in advance that the independent transaction can sign a "written agreement" first, which is very similar to the intermediary contract of the ordinary intermediary, but it lacks the intermediary part.
6. Choose banks and mortgages.
If it is not a one-time payment, the buyer still needs to go to the bank to make a mortgage loan. To apply for a loan in a bank, both the buyer and the seller need to be present, and they should bring the original ID card, income certificate and sales contract. When I applied for a loan, I went directly to the account manager of the bank and told him that I would apply for a real estate mortgage, and he helped me.
7. Ownership transfer and tax payment
When going to transfer, you need to go to the property registration center where the property is located to handle the transfer procedures. Buyers and sellers need to bring the original ID card, the original real estate license and the second-hand house sales contract. Generally, after delivery, the owner can ask the bank to put the previously supervised deposit in after receiving the receipt.
What are the precautions for buying a second-hand house?
1. The risk liability of real estate shall be borne by the transferor before the transfer of property rights and by the transferee after the transfer of property rights. In other words, the risk of damage to the house after the transfer is borne by the buyer, so the buyer needs to carefully confirm whether there are quality problems in the house before the transfer.
2. At present, house prices are rising, and some owners will let the court seal up the property on the grounds of false debts, thus terminating the real estate transaction during the transfer period. The buyer may add a clause in the contract, stipulating that in the process of transfer, if the property is seized due to the owner's reasons, it will be regarded as the owner's breach of contract and must bear the liability for breach of contract.
3. If the furniture and appliances are damaged or even removed when the house is handed over, and the deposit for handing over the house cannot be made up, it is usually difficult for the buyer to find the seller to claim compensation. Therefore, in the case that the deposit is agreed at the beginning, it is best to make the deposit as large as possible.
4. The hukou problem is also a place that is easily overlooked when handing over the house. Therefore, before handing over the house, it is best to go to the public security bureau where the house is located to check whether the owner's account has moved out.