The specific process of buying and selling second-hand houses:
Generally, all expenses incurred by the buyer and the seller are paid by the buyer, such as the buyer's house inspection and the preliminary negotiation between the buyer and the seller on the price, payment method and delivery date;
The buyer and the seller hold the original real estate license or the original price of the mortgage contract to the land department of the archives building to check the archives;
The Buyer and the Seller negotiate the house price, down payment, fund supervision, loan application time, foreclosure fee, transfer application time, tax payment method, delivery date, tenant situation, commission payment time and proportion, and liability for breach of contract. After these points are confirmed, the buyer and the seller sign a tripartite contract or a contract with the intermediary, and write the above contents into the contract to pay the down payment to the intermediary company.
The seller and the guarantee company go to the notary office for notarization, and the seller entrusts the guarantee company to handle related affairs;
The buyer pays the down payment to the fund supervision account of the mortgage bank (usually the original loan bank, if it is changed to another bank, it will cost more), the buyer and the guarantee company sign the fund supervision agreement and related documents with the bank, the buyer applies for a loan from the bank, and the bank agrees to the loan and issues a loan commitment letter to the buyer (usually the bank directly informs the guarantee company), which takes about 7-8 working days;
After the buyer pays the guarantee fee to the guarantee company, the guarantee company applies to the original loan bank for foreclosure, and the guarantee company issues a mortgage guarantee to the bank, and it takes about 5 working days to handle the foreclosure and cancel the mortgage registration;
The buyer and the guarantee company sign a real estate sales contract at the real estate property registration center and submit an application for property transfer. It takes 5 working days for the guarantee company to receive the receipt;
The buyer and the guarantee company sign the receipt at the license window to pay for the real estate license (remember to make more copies and wait until all the loans are paid off before seeing it). The guarantee company takes out a new real estate license, the mortgage bank registers the mortgage in the real estate property registration center, and the bank gives the down payment to the seller. After the mortgage registration of the new real estate license, it takes about 65,438+00 working days for the bank to give the loan to the seller after deducting the mortgage loan.
The buyer and the seller handle the house handover and water and electricity transfer, and the buyer gets the key.