There is no risk to you, but the higher the bank, the greater the risk, the higher the evaluation, the higher the loan amount and the less the down payment.

I want to sell a house, and the other party wants a loan. What should I pay attention to?

Procedures for buying a house by loan: the two parties sign a sales contract, and the buyer gives you a deposit, and then you prepare relevant information to go to the loan bank for face-to-face signing. At the time of transfer, the buyer will pay you a down payment, and then submit it to the loan bank after the real estate license is completed and becomes the buyer's name. Since the bank has approved it before, you will see the real estate license directly hit your account.

Precautions:

1. During the transaction, ensure that the seller's double certificates are complete, and the sales contract will take effect only after all the * * * people on the real estate license personally sign it, so as to prevent the signing or omission.

Second, the expenses involved in the whole transaction process are not collected at one time, so it is necessary to clarify all the detailed expenses in advance as far as possible to avoid adding various miscellaneous fees in the middle.

3. Choose a well-known celebrity or a formal real estate agency as the supervisor of the delivery of funds and houses by both parties to the transaction, so as to ensure the smooth transfer of ownership after the payment, or the house and money are paid off after the transfer.

4. The buyer should pay attention to whether the purchased house is in mortgage state to determine the transaction and occupancy time. Extending the loan time after the transaction will bring a lot of unnecessary trouble.

5. The buyer should clearly determine the conditions and expenses required for the loan before the transaction to prevent the transaction loss caused by the loan problem after the transaction.

Six, property registration and related water, electricity, cable TV, gas and other transfer and housing situation should be identified one by one, in order to prevent these problems from being discovered and paying taxes after the delivery of the house.

Extended data

Buying a house by loan means borrowing money from a bank to buy a house by mortgage. It means that the purchaser applies for a loan from the bank to pay the purchase price with the building in the house transaction as collateral, and then the purchaser pays the principal and interest to the bank in installments. The process of buying a house by loan is also the concrete operation steps of a series of activities of buying a house by loan.

Although the price of second-hand housing is lower than that of first-hand housing, there will be more problems than first-hand housing. Since the opening of the secondary market, buyers and sellers have been in an unstable state of mind and are not sure about the market price. Sellers always want to compare their houses with commercial houses and set a higher price. Property buyers believe that the housing reform is an old house, and the price should be much cheaper than ordinary commercial housing.

1. When both parties declare their transaction price to the real estate management department, if the real estate management department thinks it is obviously lower than the market value, they will entrust a professional appraisal agency with certain qualifications to evaluate the traded real estate, and take the evaluated price as the tax basis. In addition, in order to determine a reasonable transaction price, both parties to the transaction can also entrust an evaluation firm to make an evaluation, taking the evaluation price as a reference for the transaction price.

2. Real estate insurance needs to evaluate the real estate, which is divided into the insurance value evaluation when the real estate is insured and the loss value or loss degree evaluation after the insurance accident. The insurance value evaluation of real estate insurance is to evaluate the value of buildings that may suffer losses due to natural disasters or accidents.

3 involving land acquisition and demolition, compensation assessment shall be carried out.

4. In real estate appraisal cases, an authoritative professional real estate appraisal institution may be entrusted to scientifically evaluate the value, transaction price, cost, rent, compensation amount, compensation amount and appraisal result of the disputed real estate involved, and put forward objective, fair and reasonable opinions, so as to provide reference for settlement by means of agreement, mediation, arbitration and litigation.