1, buy a house, inquire about information, and see the house on the spot:

Establish information communication channels with sellers through newspapers, internet and other media resources. On-the-spot house inspection, on-the-spot inspection and price negotiation determine the intention to buy a house, and at the same time require the seller to provide corresponding legal documents, such as house ownership certificate, ID card, household registration book and other documents.

2. Sign the second-hand house sales contract:

After the price is agreed, the transaction intention is confirmed, and the seller provides the corresponding legal documents of the house, the buyer can pay the house purchase deposit. It is worth mentioning that paying the house purchase deposit is not a necessary procedure for the sale of commercial housing. After consultation and communication, both parties signed at least three house sales contracts.

3. Both parties * * * go to the loan bank to handle the loan formalities:

If the buyer needs a loan to buy a house, after the buyer and the seller reach an intention, the loan bank will appoint an appraisal company to evaluate the house to be traded by both parties and confirm the loan amount. After the two parties sign the house sales contract, the buyer and the seller need to go through the loan formalities at the loan bank, and the bank will approve the loan applicant.

Both parties will be notified to complete the property right change. After the buyer receives the real estate license, he should apply for another certificate of rights accompanied by the bank. After other certificates of rights are issued, the bank will issue a one-time loan to the homeowner.

Extended data:

Repayment method:

Choosing an appropriate repayment method is an important prerequisite to help reduce the burden of buying and selling second-hand houses.

For example, China Construction Bank and China Bank of Communications promote two new repayment methods: "equal increase" and "equal decrease"; Shanghai Pudong Development Bank promotes the "quarterly repayment" mortgage repayment method; China Merchants Bank is under the banner of providing at least seven mortgage repayment methods.

1, equal principal and interest

This is the most commonly used method, and it is also recommended by most banks for a long time. Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.

2. Average capital

The so-called average capital repayment method, also known as the repayment method of interest with principal and average capital with unequal interest. The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.

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