Who can talk about the transaction process of second-hand houses in Taiyuan?

Second-hand housing transaction process:

Step 1: property right review before selling the house.

First of all, we should carefully check the owner's real estate license and 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.

Risk warning: the biggest risk in this link is the defect of property rights, so before paying the deposit, you must check the file and get a clear answer. The house you like may be in the state of mortgage, or it may be in the state of sealing up because of debt disputes. Once there is a problem with the property rights of the house, the transaction will be declared invalid.

Step 2: Pay the deposit and sign the contract.

After looking at the house and determining the property rights of the house, it is natural to pay a deposit. But don't ignore this little link, there are tricks to pay the deposit. The house is worth one million yuan, and a 5% deposit can reach 50,000 yuan. So please pay more attention when the transaction reaches this stage.

If the house you like is still under mortgage, it is best not to give the deposit directly to the owner, but to be supervised by a third party. If both the buyer and the seller have a trusted third party, they can sign a simple agreement, stipulating to pay the down payment to the seller after the foreclosure is completed, and stating that "if the third party is given, it will be deemed that the seller has received the down payment, and the seller refuses to perform the contract on the grounds of not receiving the down payment, which will be 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.

Generally speaking, an appointment sales contract will be signed when the deposit is paid. The contract should at least stipulate the property address, transaction amount, delivery time, liquidated damages and liability for breach of contract. See the model text for specific terms.

Step 3: Redeem the building.

There are two ways to foreclose: first, the owner borrows from the bank through the guarantee company, generating 0.8% guarantee fee and 0 .4% short-term foreclosure interest, and then goes to the bank for mortgage after the buyer's real estate license comes out; Secondly, the buyer mortgages the bank through the guarantee company, and the bank pays the ransom to the seller, which only needs to generate the guarantee fee, but the buyer needs to pay the mortgage in advance.

Considering the risk, the buyer had better use the former method to redeem the house. Through the latter method, the short-term foreclosure interest of 0.4% can be saved, but if the transaction is terminated, the seller reneges on the sale or the house has property rights problems, the buyer will be in a passive position.

Step 4: Pay the down payment and supervise the funds.

In addition to property rights, the second major concern of independent transactions is the supervision of funds. In fact, capital supervision has become a system at present, and buyers and sellers do it according to established regulations, with little risk. No matter how you trade, the down payment must be supervised by the bank.

The specific operation is: the buyer and the seller sign a fund supervision agreement in the bank, and then open accounts in the bank separately, stipulating that the buyer will pay the down payment to the seller after completing the transfer and getting a new real estate license. If the transaction is successfully completed, the bank will pay the seller; If there is a problem in the middle, the transaction will be terminated and the down payment will be returned to the buyer. When banks provide this service, they usually charge a single supervision fee around 500 yuan, but if you mortgage through bank supervision funds, you can save this fee.

Step 5: Sign the sales contract.

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 allocate transaction taxes and fees. 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. After the down payment, you can sign a formal second-hand housing sales contract with Guotufangguan Bureau.

Step 6: Choose a bank and apply for a mortgage.

If it is not a one-time payment, the buyer still needs to go to the bank to make a mortgage loan. When applying for a loan in a bank, both buyers and sellers need to be present, and they should bring the original ID card, income certificate and sales contract. When I applied for a loan, I went directly to the account manager of the bank and told him that I would apply for a real estate mortgage, and he helped me. Generally speaking, the reply can be confirmed on the same day. However, sometimes the loan amount does not meet expectations. For example, banks with high evaluation prices need to be re-evaluated, and generally two or three working days will be extended.

Step 7: Transfer ownership and pay taxes.

You need to go to the property registration center where the property is located to handle the transfer procedures. Buyers and sellers need to bring the original ID card, the original real estate license and the second-hand house sales contract. Generally, after delivery, the owner can ask the bank to put the previously supervised deposit in after receiving the receipt.

Step 8: Next things.

Delivery generally involves the handover of property, water and electricity, cable TV, gas, etc. If there are furniture and household appliances in the property, it is necessary to verify whether they have been replaced or removed. Finally, the owner will hand over the key and formally complete the transaction. The above-mentioned water and electricity handover shall be handled by the management office, water affairs bureau, cable TV station, power supply bureau and other departments respectively. Both parties should prepare copies of real estate license and ID card. Some areas, such as Luohu District, may need to provide mortgage contracts when handing over water and electricity. It is best for both parties to make a phone call before going to avoid running back and forth. The most important thing is to sign the "deposit agreement" before. If the furniture and appliances in the house are complete, the deposit will be returned to the owner. If the furniture and household appliances are really lost, they can be deducted from the deposit through consultation between both parties.