What are the precautions for buying a second-hand house?
Action 1: Seven questions about verifying house property rights.
Before signing the contract, you must go to the real estate trading center or the Housing Authority to verify whether the property rights of the house are clear, whether there is seizure, mortgage, etc. Sign the contract after confirmation.
Is the property owner's ID card consistent with the property right certificate? Inconsistent, can you provide a notarized power of attorney and the original ID card of the property owner?
The title certificate has a * * * Anybody? * * * Someone must be able to sign on the spot, but can't attend. A notarized power of attorney must be provided.
Are you married? You need to provide a certificate signed by your spouse agreeing to sell.
Is there a tenant in the house? If it is leased, a certificate of consent to the sale and a waiver certificate signed by the lessee must be provided. Because the contract law stipulates that the lessee has the preemptive right.
Is the house mortgaged? If there is a mortgage, it is determined that the property owner can cancel the mortgage and provide a certificate of cancellation before paying the down payment.
Is the house sealed? This kind of property can't be bought.
What is the property right of the house?
Commercial housing: the real estate license can only be listed and traded after it is issued. How much tax do you pay in Beijing?
Public housing: the unit can only trade if it gives up the repurchase certificate.
Affordable housing:
L Class I affordable housing: the deed tax stamp has been issued or the registration date of real estate license is less than five years, so it cannot be listed and traded; The housing security office that needs to have a household registration of five years or more can issue a certificate to abandon the limited repurchase before listing and trading.
L Second-class affordable housing: including houses that are relocated and suitable for living, as well as other types of houses managed by affordable housing, which can be listed and traded after issuing real estate licenses;
L houses with military property rights and school property rights: they can only be listed and traded with the consent of the unit.
Action 2: All the important things fall on the contract.
Remember the verbal agreement on the matters negotiated by both parties before signing the contract, or the promise made by one party to facilitate the transaction, because if it is not fulfilled by then, it will be empty talk.
The amount of down payment, down payment, final payment, etc.
Who pays the taxes and fees?
What kind of remuneration?
When will the house be handed over/down/transferred?
When will the account be moved?
How to negotiate things in the house, such as furniture, home appliances, parking spaces, etc.
Action 3: fund supervision.
The money paid to the owner must be supervised by the fund.
Simply put, fund supervision is equivalent to Alipay in the real estate industry. You don't want to pay cash on delivery, and I don't want to see money that is not delivered.
Whether it is the down payment, down payment or the final payment, it can be placed in the fund supervision, and then paid to the buyer after everything is ok.
In the second-hand housing transaction, in order to ensure the fairness and security of the transaction, the buyer temporarily holds the funds involved in the purchase of the house through the third-party platform, and then delivers the house payment to the seller after the house transaction is reached (usually referring to the completion of the transfer).
Action 4: Control the time.
The contract must clearly specify the time nodes involved in each process.
Including the arrival time of each payment, the time of each procedure, the time of vacating the room, etc. If loans are involved, commercial loans are the fastest and portfolio loans are the slowest. Every link of time needs self-confidence.
Especially when changing rooms, you must set aside extra time to ensure that there is no possibility of default.
For example, the house has been sold, and when you are waiting to change suites, you must determine when you can get the down payment, when you can transfer the ownership, and when you can get the full amount. Because this is related to the house you bought, when to pay the down payment and when to transfer the ownership.