Second-hand house signing means that the house buyer and seller need to sign face to face when they finally sign the contract. That is to say, the specific contract interview and bank interview still need to be conducted by both the buyer and the seller together. When buying and selling second-hand houses, compared with individual handling, if you are an agent, you need to join an agency contract, and all three parties are contractually binding. It is more convenient and worry-free to use an intermediary agent. You don't have to go to the bank often for loan matters, so many lenders will choose this method.

Second-hand houses are properties that have been filed with the real estate trading center, completed initial registration and general registration, and are listed for trading again. It is a common name for the third-level market of real estate property rights transactions relative to the commercial housing in the hands of developers. Things to note when interviewing a second-hand house

1. Be present in person.

The names, addresses, contact information and other basic information of the second-hand house buyer and seller should be stated in the house purchase contract. During the interview, the bank will also check personal information to see whether the application materials submitted by the borrower are completed, whether the ID photo is consistent with the person, and whether the signature is the same. Therefore, the borrower must be present in person and cannot be entrusted.

2. Make sure there is no problem with your personal credit report.

The lending bank has channels within which you can directly check your credit record. The staff may ask you individually about several of these points. For example, a few days after the loan is due, you will be asked what the reason is. At this time, as long as you forget to answer sincerely, it will not affect the loan. There are also too many credit card and loan application records, which will also have certain negative effects. It is recommended to prepare several reasonable reasons before the interview.

3. Pay attention to the nature of work and income.

When a home buyer applies for a loan to buy a second-hand house, there will be a column to fill in the work unit and income statement. If during the interview, your answer is very different from the application information, it will be considered by the bank. There are suspicions of loan fraud, so it is recommended that everyone be aware of the information they have filled out.

4. Before signing the contract, you must check the basic situation of the house.

When interviewing for a second-hand house, you should pay attention to the specific information of the house in the house purchase contract: house address, construction type, area, real estate certificate number, etc. Before signing a contract, in addition to conducting a preliminary property rights inquiry in the early stage, you must also confirm the property rights in person. Especially for second-hand housing transactions, property rights confirmation is very important. Accompanied by the seller or an intermediary, you need to take the real estate certificate to the local real estate trading center to verify the property rights. After verification, you can sign a formal commercial housing sales contract with the seller.

The leasing situation of the house for sale should also be disclosed in the contract to avoid the situation of buying a house but being unable to apply for a real estate certificate. In addition, the seller also needs to clarify whether there is a mortgage on the house, so as not to affect the subsequent processing of the property ownership certificate and the delivery of the house payment.