Buying a second-hand house is the most common thing now, which can not only reduce the pressure of buyers, but also experience a comfortable home life. If the original owner's loan is not paid off, it is also a kind of trouble and needs to be solved in time. Then what should second-hand housing owners do if they have loans? What should they pay attention to when buying second-hand housing? You got it? Now let's have a look.

1. What should second-hand housing owners do if they have loans?

Owners who buy second-hand houses have loans, which can be solved in three ways: ① find an intermediary to help repay the loans, and then return the money to the intermediary after the second-hand house transaction is completed; (2) After approval, the buyer and the seller go to the bank to handle the mortgage transfer procedures; (3) The homeowner applies for a mortgage loan again, and the amount will be used to repay the mortgage. After the second-hand housing transaction is completed, the mortgage loan is paid off.

Second, what should I pay attention to when buying a second-hand house?

1. In order to prevent the loss of personal interests, it is necessary to ensure that the purchased second-hand houses are allowed to be listed and traded. For example, if the nature of the land is allocated land, it cannot be listed and traded; As well as the low-rent housing allocated to employees by the unit, the unit has limited purchases. Pay attention to these so as not to damage your interests.

2. Pay attention to the property rights of second-hand houses. After finding a second-hand house, the seller needs to provide an ID card and a property right certificate, which can not only confirm the authenticity and reliability of the property right, but also confirm the number of property owners on the property right certificate. When signing a house purchase contract, all property owners must sign it together.

In the process of signing the house purchase contract, you must read every clause carefully, and don't be afraid of trouble, otherwise any problems in the later period will lead to property losses. Look at whether the construction area for sale stated in the contract is consistent with that registered in the real estate license, knowing that the area for sale can only be the area on the real estate license.

What should I do to buy a second-hand house with a loan? What should I pay attention to when buying a second-hand house? I'll introduce you here first. You got it? There are many problems to pay attention to when buying second-hand houses. Don't be careless, otherwise it will easily cause personal property losses.

What should I pay attention to when buying a second-hand house by mortgage?

Matters needing attention in purchasing mortgaged second-hand houses:

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. 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.

3. Is the trading room 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, thus causing more problems.

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 for free, and the government can recover it for free. 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 have an impact?

Some homeowners may be eager to sell their second-hand houses, because they know that their houses will be faced in about 5 to 10 years, or build high-rise houses near their houses, which may affect lighting, prices and other municipal planning conditions. As a buyer, you should fully understand the details when buying.

6. Welfare housing distribution is 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, whether the unit housing infringement.

There are general units of employee housing, but also standard price of 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 the contract subject, rights protection, housing price, transaction mode, liability for breach of contract, settlement, signing date and so on.

Precautions for decoration of second-hand houses:

After all, second-hand houses are old houses, and there are aging phenomena in many places. Therefore, the second-hand housing decoration still needs to find professionals to make a detailed plan and make a layout of the whole house decoration. Decoration design is also essential. It is best to find a professional designer to complete the decoration design.

You should also carefully check the finished walls and ceilings to see if there are obvious cracks and falls off. If so, the basic layer should be repaired first. It is best to use environmentally-friendly interior putty for repair paint, which is not only environmentally friendly and non-toxic, but also has good adhesion and permeability, providing convenience for later decoration.

In addition to wall decoration, doors and windows are the most important for second-hand housing decoration. Compared with other places, doors and windows are the most common, such as deformation and peeling of doors and windows, which must be replaced with new ones.

If the situation is better, you can stick a decorative plate on the surface of doors and windows for reuse. If the anti-theft doors and windows and the main body of steel doors and windows are cracked and rusted, and the surface paint film falls off, you should carry out the transformation according to the corresponding methods. If it really doesn't work, you should replace it with a new one.

In the renovation of second-hand houses, the renovation of the top surface and wall surface should focus on decorative materials. Many walls are painted, and the house will be powdered, moldy and cracked after a long time. Pay attention to the handling of these problems when decorating. If it is not handled well, there will be problems in the later decoration.

What is the process of buying a second-hand house with a loan?

Second-hand housing sales process:

First, find intermediary information registration.

Two. The seller shall apply to the district or county real estate transaction management department where the house is located for the Notice of Approval of Listing, and go through the listing approval procedures.

The following houses with property rights shall not be listed and traded:

1. Public houses in central directly under the authority;

2 military production, hospital (hospital) production, public houses produced by schools (schools) and office buildings in the compound of this unit;

3. The right to use the house;

4. Purchase at the standard price, but do not make up the remaining price;

5 houses built on rural collective land, and second-hand commercial houses with rural property ownership certificates;

6. It has been included in the scope of announcement;

7. The house belongs to * * *, and others * * * don't agree to sell it;

8. Ownership;

9 has been mortgaged, and without the written consent of the mortgagor;

10. new housing difficulties will be formed after listing and selling;

1 1. is sealed up or the transfer of ownership is restricted according to law;

12. The house has been leased to others, and the seller fails to notify the lessee as required, thus infringing upon the lessee's preemptive right and other rights.

Third, evaluate and check the details of the house.

Four. After signing the house inspection agreement, the transaction intermediary signs the consignment agreement and the house purchase agreement with the buyer and the seller respectively.

In order to reduce the possible risks in second-hand housing transactions, the following clauses are essential:

1. Basic information should be listed: the name, address and contact information of the buyer and the seller;

2. Ask the seller or intermediary to clearly write down the basic information of the house, including location, nature, area, structure, pattern, decoration, facilities and equipment, whether there is mortgage, whether anyone agrees to sell, etc.;

3. Price-related issues: specify the total house price in the contract, indicate whether it is a one-time payment, installment payment or loan application, specify the payment time and stipulate the payment terms;

4. Write down the time and conditions of delivery, the process and expenses of handling relevant formalities;

5. Liability for breach of contract: it is regarded as breach of contract when it occurs, the calculation and payment of liquidated damages, deposits and compensation, and how to solve disputes (arbitration, litigation, etc.). ) If negotiation fails;

6. Indicate the entry into force, suspension, termination or dissolution of the contract;

7. The conditions for alteration and transfer are stipulated in the contract, or the prohibition clauses that may not be altered or transferred are stipulated. In addition, when adding some terms, it must be implemented in words, and the intermediary is required to affix the official seal of the company on it.

Verb (abbreviation of verb) The intermediary mediator submits the house payment.

Transfer and settlement of intransitive verbs

Loaned to buy a second-hand house. Can I buy it?

Yes, second-hand houses with loans can be traded.

The premise is to settle the loan and cancel the other warrants, and then buy and sell the transfer and property rights change;

The loan cannot be directly passed on to the buyer. The buyer can help the seller settle the loan curve first, and this amount is counted as the total house payment.

After paying off all the money owed to the bank, he will transfer it to you with the certificate. Many people do this, but after you pay the money, you have to sign a contract and verify the real estate license. If he buys a new house, he should have a purchase contract and a purchase invoice.

Extended data:

Second-hand housing occupancy notice:

Notice of occupancy

1, see the delivery list.

At present, most second-hand houses in the market are decorated houses. When signing the contract, please ask the owner and the buyer to list the attached items and quantities. For some household appliances, it is suggested to list the model and brand, so as to check whether the items are in line with the contract when taking back the building.

2. Check the indoor facilities for quality problems.

Property buyers should pay attention to check the quality of the project, such as the quality of doors, windows, ceilings, walls and floors, and whether there is leakage. (especially for properties with long buildings); Check whether the water and electricity are normal and whether the waterway is unblocked. Check whether the indoor equipment works normally. If there is a problem, the old owner must cooperate with the new owner to carry out maintenance, otherwise the new owner may have to mainly bear the expenses mentioned in the case. After repossession, I found that the original owner owed thousands of dollars, and I couldn't contact the original owner to recover it, so I had to admit that I was unlucky. Therefore, please make sure that the original owner has settled the water, electricity, gas, telephone, television, internet, property management and other expenses when you repossess the building, so as not to bear it yourself.

3. Is the certificate of repossession complete?

For some new buildings that have not been occupied for many years, buyers should check whether the acceptance documents of the property are complete, and at the same time be sure to know whether the owners have paid some so-called repossession fees, such as maintenance funds, so as not to cause losses to themselves.

4. Do you want to move out?

For the prestigious property, some original owners sold the property, but the household registration is still attached to the sold property. When the new owner repossesses the building, if he wants to use the household registration of the property, he should ask the other party to move out on time, otherwise the new owner can't find a police station to receive the household registration.

5. Whether the invoice is complete.

After the buyer successfully repossesses the building, the customer usually has to go through some transfer procedures, such as whether the transfer tax bill, cable TV, telephone and internet invoices are complete, otherwise the buyer will not be able to use related services.