Suzhou second-hand housing sales process
1, looking for a house, looking for a house
This of course depends on your personal preference and your own situation. You can find a house online or through an offline intermediary. No matter which way buyers find a house, it is recommended to pay attention to property rights.
2, the house before the sale of property rights audit
Understand the housing situation. The buyer understands the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents. You can also look at the relevant evidence when buying a house, such as purchase invoices and deed tax invoices, as auxiliary evidence to confirm the ownership of the property.
Step 3 check the file
The buyer and the seller hold the original property certificate, and the Housing Authority inquires about the property file to determine the ownership of the property and whether it has been mortgaged. It is suggested that buyers should never underestimate this step, because it is a major event related to the ownership of houses to find out the property rights issue.
4. Make sure the property right of the house and then pay the deposit.
If the seller is still repaying the loan, he needs to redeem the house first or mortgage the loan with his peers, and then pay the deposit. Handling foreclosure: The seller borrows from the bank through the guarantee company, and the short-term foreclosure loan will generate certain guarantee fees and interest.
When the seller no longer repays the loan for the house, it enters the link of paying the deposit. Generally speaking, an appointment sales contract will be signed when the deposit is paid, and the model text can be downloaded from the website of the Housing Authority of this Municipality. The contract should at least specify the property right, address, transaction amount, transfer time, delivery time, relevant taxes and fees, liquidated damages and who will bear the liability for breach of contract.
5. Sign a formal contract
After the first delivery, you can sign a formal second-hand housing sales contract. The contract samples can be downloaded from official website and local housing management bureaus, and both parties can modify them by themselves. Before signing the contract, it should be noted that if there is a * * * property owner, it should be signed by the * * * property owner to avoid the possibility that the * * * property owner does not agree to the sale and the transaction fails.
6. The buyer handles the mortgage loan.
If it is not a one-time payment, the buyer still needs to go to the bank to make a mortgage loan. When applying for a loan in a bank, both the buyer and the seller need to be present, and they should bring their ID cards, marriage certificates, household registration books, income certificates, bank account numbers, sales contracts and other originals.
Because it is possible that the loan amount will not reach the expectation, the buyer needs to be prepared to pay more down payment, otherwise the transaction failure will lead to default.
7. Transfer of ownership
When handling the transfer, you need to go to the property right registration center where the property is located to handle the transfer formalities and pay taxes. Buyers and sellers need to bring the original ID card, the original real estate license and the second-hand house sales contract. After the general delivery, the buyer can get the receipt and let the bank issue the deposit previously supervised.
After obtaining the real estate license, the buyer goes back to the bank to mortgage the property, and the bank pays the balance to the seller, and the buyer repays the loan on time every month.
8. hand over the house
Delivery generally involves the handover of property, water and electricity, cable TV, gas, etc. If the property has furniture and appliances, it is necessary to verify whether the seller will replace or move them. The handover of water and electricity should be handled in the management office, water affairs bureau, cable TV station, power supply bureau and other departments respectively. Both parties should prepare copies of real estate license and ID card.
Matters needing attention in Suzhou second-hand housing transaction
1, depending on whether the property right of the house is clear, some houses have many * * * people, such as heirs, families and couples, so the buyer should sign a house sales contract with all * * * people. 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.
2. See if the land situation is clear. Second-hand house 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.
3. See if the house formalities are complete. The real estate license is the only proof that the owner enjoys the right to 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 above is all the knowledge about Suzhou second-hand housing transaction process and precautions. In Suzhou second-hand housing transaction, the current second-hand housing sales market is becoming more and more second-hand, but when we buy second-hand housing, we must have a certain understanding of the transfer and transaction process of some second-hand housing, because second-hand housing transactions are more difficult and risky, so we must choose carefully.