Taking any expenses can also effectively avoid risks.

Second, the second-hand housing transaction, I am the buyer, how to help the seller redeem the contract to avoid risks?

Second-hand housing transfer sellers have low risk probability, which is generally divided into two situations:

First, the buyer pays in full. In this case, the seller can say that there is no risk. Under normal circumstances, the money will be transferred immediately after payment. The two happened almost simultaneously. For the seller, the house payment has been obtained and the transaction has been completed;

Second, the buyer needs to take commercial loans to buy a house. In this case, the seller needs to pay attention to this link:

1. When signing the house purchase contract, clearly write down the amount of the house purchase loan and the latest payment time, with clear conditions for breach of contract;

2. On the day of receiving the down payment, go to the real estate bureau for transfer, sign relevant contracts with the buyer in banks and guarantee companies, and check whether the contracts are true or false. When signing a contract, it must be completed in a bank or guarantee company. The bank will directly put the loan in the seller's hand, so it must be the seller's bank account;

3. The time for the final payment to be received is generally within 7 working days. If you don't receive it within 7 working days, you should ask the situation in time.

Third, what problems should be paid attention to in second-hand housing transactions?

Note 1: The seller shall provide the original legal property right certificate.

Ask the seller to provide the original legal title certificate, let the owner show you the original ID card and the original real estate license, and you can keep a copy. Pay attention to the signatures of several people on the real estate license. If there are two people, they need to have their names at the back when signing the contract. Secondly, look at relevant evidence when buying a house, such as purchase invoices and deed tax invoices. As an auxiliary evidence to preliminarily confirm the ownership of housing property.

Note 2: Go to the Housing Authority to check the authenticity of the property right certificate.

Let the intermediary take you to the Housing Authority to check the authenticity of the property right certificate, including checking the basic situation of the property, mortgage and seizure, and whether it is shared with others. And pay attention to whether the owner and the seller on the property certificate are the same person.

Note 3: it is necessary to find out whether the source of the purchased house belongs to the house that is allowed to be sold.

Generally speaking, the public houses of troops, hospitals and schools must be sealed by the original unit before they can be sold.

Note 4: Understand the current situation of real estate on the spot.

Look for water leakage, seepage, big cracks, etc. Unlike commercial housing, the sale of second-hand housing is generally a "case". Therefore, related prices, housing conditions, etc. , all need consumers themselves or their own entrusted institutions to understand in detail.

Before deciding to buy, consumers should carefully observe whether the apartment is reasonable, whether all kinds of management are in place, whether the power supply capacity can load large household appliances such as air conditioners, whether there are signs of water seepage in the ceiling, and whether there are obvious problems such as cracks or peeling on the walls. Some even ask about the level of community security, property management fees and charging standards.

Note 5: Pay attention to the historical legacy of the purchased house.

Buyers should never forget to know how long the house has been bought and how long the land use period is; Are there any arrears, such as property management fees, utilities, gas fees, etc.

Note 6: Evaluate the price of second-hand houses.

Consumers should evaluate the price of second-hand housing from many aspects on the basis of mastering the basic situation of housing. You can also entrust a trusted intermediary or evaluation agency to evaluate whether you can make a second-hand housing mortgage loan. Under normal circumstances, banks will make a hedging assessment when mortgage loans, and this price can show the lowest hedging price of houses.

Note 7: Pay attention to the content of the agreement.

When signing a written agreement, the most important thing is to pay attention to four aspects, namely, property rights, total house price, transaction taxes and fees, and date. What needs to be noted is that the written agreement should specify how to share the transaction taxes and fees of second-hand houses. The date is also very important, such as the time to pay the deposit, transfer the ownership and hand over the house. Only when the date is set can the transaction proceed smoothly. For example, it is stipulated that the foreclosure will be completed within 45 days, and the down payment will be supervised by the bank within 7 days after signing the contract.

Note 8: Pay attention to the payment time when handling the transfer legally and thoroughly.

Require the owner to pay 50% of the house price after the data transfer is completed, get the acceptance receipt, and then pay the full amount after confirming that he can get the real estate license; Require the intermediary to pay 50% of the agency fee only after the data transfer is completed, and pay it all after the delivery, or sign an agreement with a third party.

Especially when the house you like is still mortgaged, it is best not to give the deposit directly to the owner, but to the third party for supervision. A simple agreement can be signed and handed over to the seller after the foreclosure is completed, and it is indicated that "the supervision by a third party is regarded as the seller's signature, and the seller's refusal to perform the contract on the grounds of not receiving the deposit is regarded as a breach of contract".

If there is no reliable third party, deposits should be supervised by banks. The specific way is: the buyer and the seller can go to the bank to sign a supervision agreement, and agree to transfer it to the seller's account after completing the delivery procedures at the trading center.

If the landlord still hasn't paid the utilities, wait until all the expenses have been paid before paying the intermediary. Second-hand housing must be handled by the housing and land management department to truly change the owner, and the guarantee and notarization of any other unit are not regarded as completing the transaction.

Matters needing attention in the second-hand housing transaction in the process of second-hand housing transfer are mainly aimed at buyers. On the one hand, we should check the quality and authenticity of the purchased house, on the other hand, we should pay attention to the content of the second-hand housing transaction contract and the control of payment time.

4. What should the owner pay attention to when cooperating with the loan in the second-hand housing transaction? How do car owners avoid it? ...

I'll let you know first when the bank loan comes down ~!