What to do before buying a second-hand house and moving in
1. Remaining property rights period: Generally speaking, even for first-hand houses, there will be a time difference between the date of the real estate certificate and the time of completion. The time when the owner obtains the real estate certificate is compared with the time when the building is completed. There is a certain lag.
The property rights of ordinary residential buildings are generally 70 years. For example, if the developer acquired the land in 1999, the land use life will expire in 2069; the house will be delivered for use in 2000. Then in 2017, the remaining property rights of the house will be 52 years (ie, 2069-2017). The house is 17 years old (i.e. 2017-2000). Generally speaking, the older the home, the shorter the remaining equity life of the home.
2. Loan period: When buying a second-hand house and applying for a commercial loan, the loan period will be affected by the personal age and the age of the house. When the age of the borrower is fixed, the older the home, the shorter the loan term. If the loan term is short, the monthly payment will be relatively high, and the monthly loan repayment pressure will be relatively high.
3. Remaining lifespan of the house: Houses, like people, have a lifespan. The structure and quality of a residence determine the natural lifespan of the house. Houses will undergo certain wear and tear during use. The older the house is, the greater the wear and tear will be, and the shorter the remaining life of the house will be. After a certain number of years of residence, the house may become dangerous and uninhabitable.
4. Living comfort: Newly built houses are relatively new and more user-friendly in terms of apartment design, garden planning, etc., and their property management is also relatively complete. For some older houses, the environment of the community is relatively poor, there are insufficient parking spaces, and the property management is relatively imperfect, which greatly reduces the comfort of living.
Extended information
The entire process of second-hand housing transactions is roughly divided into the following stages:
1. Communication between the two parties
Buyers and sellers establish Information communication channel, the buyer understands the overall current situation and property rights of the house, and requires the seller to provide legal documents, including all house sales contracts (or house sales contracts). After the buyer and seller reach an agreement through negotiation on the location of the house, property rights status, transaction price, house delivery time, house delivery, property rights management, etc., the two parties sign a house sales contract in at least three copies.
3. Property rights review
Both the buyer and seller *** should apply for a new property rights certificate to the issuing department with the certificate notice.
For home buyers with loans, after signing the house sales contract with the seller, the buyer and seller will go to the lending bank to handle the loan procedures together. The bank will review the buyer's credit and conduct an inspection on the house that both parties want to trade. Assessment to determine the buyer's loan amount, and then approve the buyer's loan. After both parties complete the property rights registration change and the buyer receives the house ownership certificate, the bank will issue the loan in one go.
6. Property delivery
The buyer receives the house ownership certificate and pays all the house payments. After the seller delivers the house and settles all property fees, the second-hand house sales contract between the two parties is fully performed.
Buying a house is a big deal. When buying a second-hand house, you must pay attention to the transaction process, transaction precautions and other aspects in order to choose a satisfactory house.
Baidu Encyclopedia-Second-hand house transaction taxes
Baidu Encyclopedia-Second-hand house