Nowadays, the second-hand house trading market is also very hot. Second-hand houses have the advantages of new houses can not be compared to the second-hand houses around the supporting mature, good or bad property, the counterpart of the elementary school, etc. Ask this in the people who live here know; unlike the period of time, need to worry about the developer commitment to the various planning, supporting the difficult to fulfill. Therefore, many people now buy houses are very favored second-hand houses. So, buy a second-hand house to pay attention to what matters? What is the process of transferring the ownership of second-hand houses?
A, second-hand house transfer process
1, the buyer should review and investigate the property rights of the house. Verify whether the house title has integrity, authenticity and reliability, pay attention to whether the owner's name on the title certificate and the name of the ID card of the seller are consistent, whether there is a mortgage or **** someone.
2, sign the contract of sale of second-hand houses.
3, find an appraisal company to do the appraisal. This process generally takes 5~7 working days.
4, the loan of the house to handle the relevant mortgage business. If it is a combination of provident fund loan and commercial loan, you have to apply to the provident fund center and the bank at the same time. This is the most time-consuming stage of the whole second-hand house trading process on its own, usually taking about 40 working days.
5. After the mortgage is processed, you have to pay attention to cancel the other right certificate of the property.
6, the contract will be handed over to the housing department property rights trading center of the relevant office window, take the acceptance of the single.
7, with the acceptance of the bill to the Agricultural Tax Center to pay the relevant taxes, take the deed tax certificate.
8, with the tax certificate to the land management department for the land certificate.
9, with the tax deed to the housing department for real estate license.
If you are paying in full, you can skip the third and fourth steps. After these steps, the three real estate certificates are complete. The whole process takes about one and a half to two months.
Two, the second-hand transaction notes
1, the second-hand transaction notes of the house property rights are clear
Some houses have a lot of **** someone, such as heirs **** there, there is a family **** there, there are also husband and wife *** there, this buyer should be with all the **** there, the buyer can be with all the **** there, the buyer should be with all the **** there, the buyer should be with the buyer, the buyer should be with all the buyer. In this regard, the buyer should sign a contract of sale and purchase of the house with all the ****persons. If only part of the **** person without authorization to dispose of **** property, the buyer and its contract of sale without the consent of the other **** person is generally invalid.
2, second-hand housing transaction notes of the land situation is clear
second-hand housing in the buyer should pay attention to the nature of the use of the land, to see whether it is allocated or ceded, allocated land is generally free to use, the government can be recovered at no cost, ceded is the homeowner has paid the land premium, the buyer of the house enjoys a more complete rights;; the buyer of the house, the buyer of the land, the buyer of the house, the buyer has a more complete right; the buyer of the house, the buyer of the house, the buyer has a more complete right to the house. Should also pay attention to the life of the land, if a housing land use right only 40 years, the owner has been used for more than ten years, for the buyer should also be measured by the same section of the land use right for 70 years when the price of commercial housing, it is a bit uneconomical.
3, second-hand housing transaction notes of the housing procedures are complete
Property license is proof of the owner of the house enjoys the only proof of ownership, no real estate license of the housing transaction for the buyer to not get a great risk of housing. The homeowner may be able to mortgage or resell the property even if he does not have a real estate license in the future, and the homeowner may also mortgage or resell the property. Therefore, it is better to choose a house with a real estate license for the transaction.
4, second-hand house transaction notes of the transaction of the house is rented
Some of the second-hand house in the transfer, there is a burden in kind, that is, it is also leased by others. If the buyer only look at the real estate license, only focus on the transfer procedures, without paying attention to whether there is a lease, the buyer is very likely to get a can not be timely to move in or use of the property. This is because China, including most countries, recognizes that "sale does not break the lease", which means that the contract for sale of a house cannot be used against a lease contract that has been established in the first place. In practice, this point is ignored by many buyers and intermediaries, but also by many sellers to take advantage of the more disputes.
5, second-hand housing transaction notes of welfare housing is legal
Housing reform housing, housing projects, affordable housing itself is a welfare policy housing, there are certain restrictions on the transfer, and these houses in the nature of the land, the scope of ownership of the house has certain national regulations, the buyer to avoid the buyer to buy! The contract of sale conflicts with national laws.
6, second-hand housing transaction notes of the municipal planning whether the impact
Some homeowners selling second-hand housing may have been aware of the house in 5 to 10 years or so to face demolition, or housing near the construction of high-rise residential, may affect the light, the price of the municipal planning situation, only to be in a hurry to sell, as a buyer in the purchase of the buyer should be The company's website has been updated with the latest information about the company's products and services.
7, second-hand real estate transaction notes of the property management fees are in arrears
Some homeowners in the transfer of the house, its property management fees, electricity and three gas (natural gas, heating, gas) fees for a long time in arrears, and owed a number of fees, the buyer is unaware of the purchase of this house, all the costs of the buyer may want to The buyer is not aware of the purchase and may have to bear all the costs.
8, second-hand housing transaction notes of the unit housing whether infringement
General unit of housing has cost price of staff housing, and the standard price of staff housing, both of which are allocated to the nature of the land, the transfer of land use fees should be paid. Furthermore, for standard price housing general unit enjoys part of the property rights, employees in the transfer, the unit enjoys the right of first refusal. The buyer who fails to pay attention to these may join the homeowner in violating the legal rights and interests of the unit.
9, second-hand housing transaction notes of the agency whether the violation
Some intermediary companies to provide intermediary services in violation of the second-hand housing loans, such as for the buyer to provide zero down payment services, that is, the buyer to pay all the money to buy a house from the bank can be fraudulently loaned out. The buyer thinks he has taken advantage of the situation, not realizing that if the bank discovers it, all the responsibility is likely to be borne by himself.
10, the contract agreement is clear
The contract for the sale of second-hand houses, although not as comprehensive as the contract for the sale of commercial properties, but for some details should be agreed clearly, such as: the main body of the contract, the right to guarantee the price of the house, the transaction, the responsibility for breach of contract, the dispute settlement, the date of signing and so on should be fully considered.
The above is about buying a second-hand house need to pay attention to matters and second-hand house ownership transfer process related answers. Buying a house, whether it is a second-hand house or a new house, is prone to some disputes; buying a house is a happy thing, before buying a second-hand house, to understand the relevant matters to note and the transfer process, will help us to buy a house to transfer the smooth progress.
(The above answer was posted on 2015-12-21, the current relevant housing policy please prevail in practice)
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