In the process of buying a second-hand house, you need to pay a down payment and make clear your determination to buy a house, but you need to pay attention to many details and protect your own interests. Then, who will pay the down payment for buying a second-hand house? Do you know some details about buying a second-hand house? Now let's have a look.

First, who will pay the down payment for buying a second-hand house?

When buying a second-hand house, the down payment needs to be paid to the owner, which is a normal purchase process. After the later loan is issued, it is also directly credited to the owner's account. However, after the property buyers pay the down payment, they must ask the owners to issue a receipt for the down payment and keep it well. If it appears later, there is also evidence to protect your own interests.

Second, some details of buying a second-hand house

1. Whether the property right of the second-hand house you bought is clear depends mainly on the seller's ID card, so as to ensure that the name on the ID card is consistent with the name registered in the real estate license, so as to avoid buying a house with problems and causing unnecessary.

You need to confirm whether the house you bought is private. If you deduct the increased housing area, recalculate the market price of the house, and then pay the down payment according to a certain proportion.

3. Since it is a second-hand house, it is necessary to pay special attention to whether the utilities, gas and property fees used by the former owners have been settled, so as to avoid paying a sum of money to the original owners for no reason in the later period, so the original owners must be paid off.

4. In order to better ensure the safety of personal funds, it is necessary to choose a third-party fund supervision method. The buyer will first put the down payment required for buying a house into the supervision account, and then put the down payment into the other party's account after the purchase formalities are completed.

I will introduce some details about who to pay the down payment for buying a second-hand house and buying a second-hand house here first. You got it? When buying second-hand houses, we need to pay attention to details to better protect the legitimate rights and interests of individuals.

Who will pay the down payment for second-hand housing transactions?

I believe we all know that the transaction of second-hand houses is much more complicated than that of first-hand houses, so we must be careful and not too careless when trading. Then, who will pay the down payment for second-hand housing transactions? Do you want to transfer or pay the down payment first? Let's take a look with Bian Xiao.

First, who should pay the down payment for second-hand housing transactions?

1. It is best not to give the down payment directly to the landlord or to the intermediary, which is risky. Under normal circumstances, the down payment should be supervised by the bank, and after the transfer of the real estate license, the bank will allocate the down payment to the landlord.

2. Although you can check whether the property right exists or is frozen before signing the contract, in the process of property right transfer, if the landlord is sued for collecting debts everywhere, his property right will only be frozen and the property right cannot be transferred, but your down payment has been given to the landlord, and the landlord spent all your down payment, so you can't get it back.

Even if you can sue him according to the terms of the contract, you will win, but the landlord owes money everywhere, not just you, so your down payment will be in vain. Therefore, many landlords realize that their property rights may be frozen, and they will quickly sell the house to get the full amount, or get the down payment in advance before the property rights are frozen.

Therefore, after buying a second-hand house or transferring property rights, it is very safe for the bank to transfer the down payment to the landlord. After all, the down payment is not a small sum.

Second, transfer or down payment first?

1. The buyer and the seller bring all relevant materials and certificates to the bank, then collect and fill out the application form for personal loan of second-hand house, and then submit all the materials to the staff for review. The staff will make a preliminary evaluation based on the information submitted by you, give the approximate loan amount and fixed number of years, and finally the three parties will agree on a good time, and the bank will contact the designated real estate appraisal agency for house inspection and evaluation.

2. According to the agreed time, the real estate appraisal agency will go to the property office and then make an appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank, which can be completed within three to five working days. The counterparty needs to pay the appraisal fee, 500 yuan.

3. The bank will examine the qualification of the loan applicant. As long as the conditions are met, the bank will comprehensively review the loan amount and term according to the assessed price of the house. The approval process usually takes about five working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, and the approval speed is relatively fast, which can be completed in one or two working days.

4. After the approval, the buyer pays the down payment to the seller, and then the two parties and the bank staff promise to go to the real estate exchange to handle the property right transfer with the down payment certificate and the mortgage application issued by the bank. The transfer formalities can be completed on the same day, and the buyer needs to wait another 20 working days to get the real estate license.

5. After receiving the real estate license, the buyers will register and insure the real estate mortgage, and the insurance cost is about 2,000 yuan. Finally, after the loan issuance formalities are completed, the bank will deposit the house payment into the seller's account, and the buyer only needs to repay the current period on schedule according to the contract.

Editor's summary: Who will pay the down payment for second-hand housing transactions? And second-hand housing is the first transfer or payment? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

Who will pay the down payment for second-hand houses?

Second-hand housing mortgage loan transactions, the down payment is to be paid to the owners.

This is a normal process. Because after you get the loan, the bank will also directly transfer the money to the owner's account. In this way, the down payment loan amount = total house price.

Second-hand housing mortgage loan process:

1. The buyer pays the down payment, the owner issues the receipt, and the buyer keeps the receipt.

2. Put forward the second-hand house mortgage to the bank.

3. After the bank agrees to the loan, the buyer and the seller go through the transfer formalities at the housing management office.

4. After the transfer is completed, take the house book to the Construction Committee for mortgage registration.

5. The Project Construction Committee issues other warrants and submits bank loans.

6. The loan applicant pays the monthly payment of the bank.

Extended data

Mortgage to buy a house's program

(1) Select a property

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

(2) loan application

After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.

(3) sign a house purchase contract

After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

(4) signing a house mortgage contract

After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

(5) Mortgage registration and insurance.

Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

(6) Open a special repayment account

After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After going through the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.

Individual housing loan business is guaranteed by stages.