After the house purchaser signs the house purchase contract with the developer, if the house purchase contract is notarized, it can effectively avoid disputes over the house purchase contract. The notarization process for a sales contract for a second-hand house bought after marriage is to apply and accept it first: the parties to the contract apply for notarization to the notary office, fill in the notarization application form, and provide relevant materials. The notary office shall make a decision on whether to accept the application based on the application of the party concerned.

Examination: The notary office (notary public) inquires the parties, examines relevant materials, conducts other related investigations, and examines the authenticity and legality of the notarization object.

Issue a notarized document: The notary authority will decide whether to issue a notarized document based on the review results. The notarial certificate includes the following contents: basic information of the parties, notarial testimony, signature of the notary, seal of the notary office (notary office), and date of issuance.

Second-hand houses are properties that have been filed with the real estate trading center, completed initial registration and general registration, and are listed for trading again. It is a common name for the third-level market of real estate property rights transactions relative to the commercial housing in the hands of developers. Including commercial housing, second-hand public housing that is allowed to be listed and traded (housing reform housing), poverty alleviation housing, demolished housing, self-built housing, affordable housing, and price-restricted housing.

There are many ways to buy and sell second-hand houses, including physical stores and the Internet.

1. Go directly to the physical store of the real estate agency

Going to the physical store to learn about local second-hand housing information or to sell a house is the most direct way, but it also has the disadvantage of wasting time. , you can’t get the latest information at the first time!

2. Real estate websites

You can also use real estate agencies to facilitate sales. A large part of the information on buyers and sellers collected by real estate agencies and brokerage companies is obtained through the Internet. Therefore, 80% of both buyers and sellers are brought together to the brokerage company through the Internet platform.

Steps

1. Appraisal price and maximum loan amount

When lending, second-hand housing loan banks adopt the principle of contract price and appraisal price, whichever is The lowest value between the two is multiplied by the loan factor, which is the maximum loan amount for the property.

2. Completion year and loan period

During the loan approval process, banks usually regard the completion year on the property certificate as the main condition that affects the borrower’s loan application period. Some banks The policy is "House loan period ≤ 30 years".

3. Selection of loan banks

The service features of each commercial bank are different, and the types of loans are also different. If a borrower chooses a common mortgage product, the choice must be based on the number of bank branches, convenience of repayment, and salary payment bank.

4. Choice of repayment method

Bank repayment methods are mainly divided into two methods: equal principal and interest repayment method and equal principal amount. The former is suitable for working-class people with stable incomes such as teachers and civil servants; the latter is suitable for loan borrowers who can bear greater repayment pressure in the early stage.

5. Proof of income and repayment ability

Proof of income is generally a certificate of income status issued by the borrower’s employer. If the applicant is married and one person's income certificate is lower than his monthly payment, both spouses can apply for a loan by issuing income certificates at the same time. In addition, large deposits, bonds, real estate, etc. can also be used as proof of income.

6. Loan percentages and interest rates

Each bank has made a decision on the down payment percentage and loan interest rate for the first home, and the down payment percentage and loan interest rate for the second home. specific regulations.

7. The borrower’s own situation

Personal credit situation directly affects the bank’s assessment of the borrower’s repayment ability. Credit files mainly include: credit cards, real estate mortgages and other types of loans.