How much does a second-hand house loan cost?
The cost of buying a second-hand house with a loan can be divided into two categories. One is the transfer fee of second-hand housing transaction, including deed tax, transaction fee, surveying and mapping fee, ownership registration fee, evidence collection fee, etc. One is the expenses involved in handling loans, such as guarantee fees, evaluation fees, notarization fees, etc.
What are the precautions for the sale of second-hand houses?
1. Is the house 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 trading.
2. Is the property right of the house clear?
Some houses have multiple owners, such as heirs, families and couples. To this end, the buyer should sign a house sales contract with all 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 rented?
Some second-hand houses have a material burden when they are transferred, that is, they are also rented 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. Because China, including most countries, admits that buying and selling can't break the lease, that is to say, the house sales contract can't compete with the previous lease contract. This point is ignored by many buyers and intermediary companies in practice, and is also used by many sellers, which leads to more disputes.
4. Is the land situation clear?
Second-hand housing 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. Also pay attention to the service life of the land. If the land use right of a house is only 40 years and the owner has used it for more than ten years, then it is a bit uneconomical for the buyer to measure whether it should be based on the price of commercial housing with the land use right of the same lot for 70 years.
If you want to buy a second-hand house, you should pay attention to preparing your own purchase documents and materials, and pay attention to the specific details of the sale. The above is about the second-hand housing loan costs and matters needing attention in the sale of second-hand housing. If you want to buy a second-hand house, you should pay attention to some details of the purchase and the preparations for the sale of the house.