1. Investigate the property right of the transaction house: buyers need to review the integrity, authenticity and reliability of the property right, and be optimistic about whether the owner's name on the property certificate matches the seller's name, whether there is a mortgage or someone, etc. Before the transfer
2. Real estate appraisal: Under normal circumstances, it takes about 5~7 working days to find an appraisal company for real estate appraisal.
3. Handling loans: If the property buyers handle the combination of provident fund loans and commercial loans, they need to apply for loans from both the provident fund and the bank; If you only apply for a commercial loan (mortgage loan), you only need to apply for a loan from the bank. This process is the longest stage in the second-hand housing transaction. After the loan is completed, we should pay attention to the cancellation of other warrants of the property.
4. Apply for transfer to the real estate management department: both buyers and sellers of second-hand houses apply to the real estate management department with real estate ownership certificate, legal certificate of the parties, transfer contract and other relevant documents, declare the transaction price and take the form of acceptance.
5. Verification by the real estate management department: The real estate management department will review the relevant documents provided and make a written reply on whether to accept the application within 15 days. The acceptance and verification of the declared transaction price requires on-site investigation and evaluation of the transferred house.
6. Pay taxes and fees for second-hand housing transactions, such as deed tax. The land department issues a tax bill, and the buyer and seller (or broker) pay the transfer tax. When the real estate management department issues a new house title certificate, both parties should go to the real estate management department to receive the real estate title certificate with the transfer procedures.
Matters needing attention in transfer of second-hand houses in Chengdu:
1. Is the house formalities 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 second-hand housing transactions.
2. Is the property right of the house clear? In some houses, there are many people. If there are heirs, families and husband and wife, the buyer shall sign a house sales contract with all the * * * 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 for rent? When some second-hand houses are transferred, there is a material burden, that is, they are also rented out 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.