Hefei second-hand house transaction process

1. Search for information on buying a house and view the house on the spot.

Establish information communication channels with sellers through media sources such as newspapers and the Internet. Visit the house on site, inspect the location, negotiate the price, and confirm your intention to purchase the house. At the same time, the seller is required to provide corresponding legal documents, such as house ownership certificate, ID card, household registration book and other documents.

2. Sign a second-hand house sales contract.

After agreeing on the price, confirming the transaction intention, and providing the seller with the corresponding legal documents for the house, the buyer can pay the deposit for the house purchase. It is worth mentioning that paying the deposit for the house purchase is not a required procedure for the sale of commercial houses. After negotiation and communication, both parties sign a house sales contract in at least three copies.

3. Both parties *** go to the lending bank to handle the loan procedures.

If the buyer needs a loan to purchase a house, after the buyer and seller reach an agreement, the loan bank will appoint an appraisal company to evaluate the house to be traded and confirm the loan amount. After the two parties sign the house sales contract, the buyer and seller You need to go to the lending bank to handle the loan procedures together;

After the bank approves the credit of the loan applicant, it will notify both parties to complete the property rights change. After the buyer receives the property ownership certificate, he must be accompanied by the bank to complete the process. After the other rights certificate is issued, the bank will issue a one-time loan to the homeowner.

4. Both parties must go to the Property Rights Exchange Center to handle the transfer procedures.

After signing the contract, the buyer and seller must go to the real estate trading center to apply for review. Relevant departments will allow the transfer procedures for houses that meet the listing conditions. For houses that have no property rights or partial property rights and have not obtained the written consent of other property rights holders, they will reject the application and prohibit listing transactions.

5. Pay relevant taxes and fees.

The composition of second-hand house taxes and fees is relatively complex and depends on the nature of the house being traded. For example, the tax composition of housing reformed housing, relocation housing, affordable housing, and other commercial housing is different.

6. Both parties must go to the property rights trading center to handle property rights procedures.

After completing the registration of the change in property ownership, the buyer and seller submit the transaction materials to the issuing department, and the buyer goes to the issuing department to apply for a new property ownership certificate with the notice of receipt of the housing ownership certificate.

7. Pay the balance to complete the transaction.

The transaction is completed after the buyer pays off the house, the seller delivers the house and settles all expenses before the date of handover (including water, gas, electricity, heating, property fees, cable fees, etc.).

Things to note when buying a house

1. Whether the house procedures are complete

The real estate certificate is the only proof that the homeowner has ownership of the house. House transactions without a real estate certificate At this time, there is a great risk for the buyer to not get the house. The homeowner may have a real estate certificate and mortgage or resell it. Even if there is no future process to obtain it, the homeowner can still mortgage and resell it. Therefore, it is best to choose a house with a real estate certificate for transaction.

2. Is the property right of the house clear?

Some houses have multiple owners, such as heirs, family members, and couples. Yes, the buyer should sign a house sales contract with all parties involved. If only some parties dispose of the owner's property without authorization, the sales contract signed by the buyer without the consent of other parties will generally be invalid.

3. Is the transaction house being rented?

Some second-hand houses are physically burdened when they are transferred, that is, they are still rented by others. If the buyer only looks at the property certificate and only pays attention to the transfer procedures without paying attention to whether there is a lease, the buyer is very likely to get a property that cannot be moved in or used in time.

Because our country, including most other countries, recognizes that "sale and purchase do not invalidate leases," which means that a house sales contract cannot compete with a previously established lease contract. In practice, this point is ignored by many buyers and intermediary companies, and is also exploited by many sellers, causing many disputes.

4. Is the land situation clear?

Buyers of second-hand houses should pay attention to the nature of land use and see whether it is allocated or transferred. The allocated land is generally used free of charge, and the government can use it free of charge. Recovering and transferring means that the homeowner has paid the land transfer fee, and the buyer has relatively complete rights to the house;

You should also pay attention to the use period of the land. If the land use right of a house is only 40 years , the homeowner has used it for more than ten years, it is not cost-effective for the buyer whether it should still be judged by the price of a commercial house with a land use right of 70 years in the same location.

5. Does municipal planning have an impact?

Some homeowners may sell second-hand houses because they know that the house will face demolition in about 5 to 10 years, or that high-rise residential buildings will be built nearby. It may affect lighting, price and other municipal planning conditions before you rush to sell. As a buyer, you should fully understand the details when purchasing.