1. Is the house complete?
The real estate license is the only proof that the owner owns the house. There is a great risk for the buyer not to get the house if he conducts the house transaction without the real estate license. The owner can mortgage or resell the real estate license, even if it is not obtained in the future, the owner can mortgage and resell it.
2. Is the property right of the house clear?
Some houses have multiple owners, such as heirs, families and couples. To this end, the buyer should sign a house sales contract with all owners.
3. Is the trading room rented?
Some second-hand houses have a material burden when they are transferred, that is, they are also rented by others. If buyers only look at the property ownership certificate and pay attention to the transfer procedures, but not whether there is a lease, then it is very likely that buyers will get a property that cannot be moved in or used in time.
4. Is the land situation clear?
Second-hand housing buyers should pay attention to the nature of land use, whether it is allocation or transfer. The allocated land is generally used for free, and the government can recover it for free. Transfer means that the owner has paid the land transfer fee and the buyer enjoys more complete rights to the house. Also pay attention to the service life of the land.
5. Clarify the liability for breach of contract and the way to resolve disputes.
State the liability for breach of contract and how to bear the liability for breach of contract; Calculation and payment of liquidated damages; Under what circumstances can it be exempted; The form of guarantee, etc. Arbitration or litigation, if the dispute is settled by arbitration, the terms shall be written in accordance with the relevant provisions of the Arbitration Law.
Extended data:
Evaluate the price and the maximum loan amount
The principle adopted by the second-hand housing loan bank is to obtain the contract price and the evaluation price at the time of loan, and the lowest value between them multiplied by the loan ratio is the maximum loan amount of the property.
Year of completion and loan term
In the process of bank loan approval, the completion year on the real estate license is usually regarded as the main condition that affects the borrower's loan application period. The policy of some banks is "house age+loan period ≤30 years".
Selection of loan banks
The service characteristics of commercial banks are different, and the types of loans are also different. If borrowers choose common mortgage products, they need to choose according to the number of bank outlets, the convenience of repayment, the bank where wages are paid and other factors.
Selection of repayment method
Bank repayment methods are mainly divided into two ways: equal principal and interest repayment method and average capital. The former is suitable for teachers, civil servants and other working-class people with stable income; The latter is suitable for lenders who can bear greater repayment pressure in the early stage.
Proof of income and repayment ability
The income certificate is generally the income status certificate issued by the borrower's unit. If the applicant is married, and one party's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time. In addition, large deposits, bonds and real estate can also be used as proof of income.
Percentage of loans and interest rates
The bank has specific regulations on the down payment ratio and loan interest rate for the first home, the down payment ratio and loan interest rate for the second home.
Relevant information of the borrower himself.
Personal credit directly affects the bank's evaluation of the borrower's repayment ability. Credit files mainly include: credit cards, real estate mortgage loans and other types of loans.
References:
Baidu encyclopedia-second-hand house