Buyers and sellers must go through the formalities of property right transfer at the real estate trading place designated by the government department, pay all kinds of transaction fees in accordance with state regulations, and get the real estate registration certificate issued by the government department, so that buyers and sellers can pay the money in one hand and take the house in the other. In order to ensure the safety factor of second-hand housing loans, general financial institutions will require buyers to provide guarantees. The loan guarantor can be a financially capable individual or a professional financing guarantee company. The loan should be in the name of the buyer, not someone else's house.
What are the precautions for second-hand housing loans? 1. Make clear the nature of the land use right of the house.
Second-hand housing transactions, we first understand the nature of land use. Land is owned by the state and owned by the whole people, and no additional fees are deducted for land application or transfer of different nature; If it is the sale and transfer of land, then it is necessary to make up the land transfer fee, so there will be transaction costs.
2, find out whether * * * has property.
Second-hand housing transactions, if the purchaser is married, before the sale, it must be clear whether the right to use the house is owned by one party or the other. If it is all the other side, you must get the other side's permission. Because of the law, it is useless for husband and wife to buy and sell the same property if one party does not agree. Therefore, in order to avoid the inconvenience that will be encountered in the future, customers must grasp this clearly before buying and selling.
3. The house must obtain the property right certificate.
As the qualification certificate of housing ownership, real estate license is the determination of housing property rights in China. During the transaction, it is necessary to check whether the seller has obtained the house ownership certificate and try to find out that the house ownership certificate submitted by the seller is true.
The monthly repayment should be within your ability.
When choosing a loan to buy a house, buyers should first understand their income, and then when applying for a mortgage, they should pay attention to whether their income is enough to repay the loan every month, and at the same time make some predictions and analysis on their future income and expenditure to prevent the dilemma of not being able to repay the loan in full.