1. Verify the identity of the seller. If it is an individual, look at his ID card; If it is a unit, go to the industrial and commercial bureau to see its file; If the seller has an agent, see if he has a notarized power of attorney.
2. Go to the Housing Authority to check the seller's real estate license. See if there is a * * * owner in the house. If the house is owned by more than one person, the seller shall provide the identity documents of all the owners and written documents agreeing to sell the house; If the husband and wife have property, whether to obtain the written consent of the seller's spouse; If the house has been leased, the seller shall provide the written opinion of the lessee agreeing to sell it; If the house has been mortgaged, the seller must provide a written document that the mortgagee agrees to sell the house.
3. If you buy a house through a housing agency, buyers should choose a formal agency with a certain degree of credibility. If necessary, he can consult the "two certificates" that an intermediary agency should have, one is the business license issued by the industrial and commercial department, and the other is the intermediary agency qualification certificate issued by the Housing and Land Administration Bureau.
4. Check carefully whether the name in the seller's ID card or industrial and commercial file is consistent with the owner of the house on the real estate license. In principle, there can't be a word wrong.
5. If you buy public houses, you need to know whether the purchased public houses are cost prices or standard prices, and the public houses purchased at standard prices must make up the cost at the time of transfer. Because the original unit of public housing generally reserves the preemptive right to public housing, the seller shall be required to provide a written opinion that the unit waives the preemptive right; In addition, the public houses of troops, hospitals and schools, due to their particularity, may not be sold without the consent of the unit.
6. If the purchased house is purchased public housing or affordable housing, the seller shall also provide the approval letter from the government department for its listing transaction.
7. If you know that the house you want to buy belongs to the following situations, then you must never buy it: the house that has been included in the demolition notice or the house that has been requisitioned by the state; Houses sealed up by people's courts or administrative organs according to law; Houses built illegally or illegally; Houses with disputed property rights.
8, housing quality and other supporting facilities review. In this link, in addition to a more intuitive understanding of the room type, structure, materials, but also to further understand the details of power supply, water quality, water pressure, gas, heating, pipeline direction and so on. Understand the service items and charging standards provided by the property company.
9. Key commitments should be embodied in the house sales contract. When the transaction price declared by both parties to the real estate management department is obviously lower than the market price, or when the purchased house is mortgaged, the purchased house should be evaluated; In the process of signing the contract, it should be noted that any key agreement on the transaction or any promise of the seller should be reflected in the contract and cannot be replaced by oral agreement, because once a dispute occurs, the oral agreement cannot be proved. The essential clauses of the contract mainly include: housing area and ancillary facilities, price and payment method, land use period, housing delivery period, liability for breach of contract, etc. If you choose the payment method of mortgage loan, you must go through the loan formalities according to the regulations.
Second-hand housing sales process:
First, find intermediary information registration. Buyers and sellers go to the intermediary to consult the relevant policies of second-hand housing transactions, and the brokerage company matches the buyers and sellers according to the actual situation, and the buyers and sellers register the information of buying and selling houses respectively. In this link, it is very important for buyers and sellers to choose a real trust intermediary, which is directly related to the security of the transaction and the smooth handover of the house payment.
Two. Examination and Approval of Market Access Qualification The seller shall apply for the Notice of Approval of Listing to the district or county real estate transaction management department where the house is located, and go through the listing examination and approval procedures. If it is a purchased public house, its housing needs to be stamped with three chapters. The first chapter covers the sales questionnaire, which is mainly used by the unit to prove the nature of land use and whether the property where the house is located is rented or allocated free of charge. The second chapter is stamped on the listing consultation form. Later, Beijing promulgated supplementary regulations and explanations. If there is no special agreement between the property owner of the purchased public houses and the original property unit, the original unit does not need to agree to seal it. Chapter III is stamped on the Confirmation Sheet of Listing Application, which shall be examined and approved by the real estate departments of all districts before the signing of the sales contract. Mainly from the table to review whether it belongs to several types of houses prohibited from listing in the Regulations. The following houses with property rights cannot be listed and traded: 1. Public houses in central directly under the authority; 2 military production, hospital (hospital) production, public houses produced by schools (schools) and office buildings in the compound of this unit; 3. The right to use the house; 4. Purchase at the standard price, and the remaining price is not made up at the cost price; 5 houses built on rural collective land, and second-hand commercial houses with rural property ownership certificates; 6 has been included in the scope of the demolition notice; 7. The house belongs to * * *, and others * * * don't agree to sell it; 8. The ownership is disputed; 9 has been mortgaged, and without the written consent of the mortgagor; 10. new housing difficulties will be formed after listing and selling; 1 1. is sealed up or the transfer of ownership is restricted according to law; 12. The house has been leased to others, and the seller failed to notify the lessee as required, thus infringing the lessee's preemptive right and other rights.
Three. Housing details assessment and inspection agency checks ID card and property right certificate (including whether the property right is * * *, whether the house is mortgaged, etc. ) and save it in the intermediary for the record. On-the-spot investigation by the intermediary to master the details of the house, such as the water supply and drainage of the ceiling, wall, bathroom and kitchen, whether there is structural decoration, whether there is selfless construction, and whether it occupies the roof platform and corridor. Preliminary evaluation provides reference for determining the selling price.
Four. After signing the house inspection agreement, the transaction intermediary signs the consignment agreement and the house purchase agreement with the buyer and the seller respectively. After the buyers and sellers confirm the house price and related matters, they sign the sales contract at the intermediary office. Generally, the contract should indicate the details of the seller's house and pay the agency fee. Generally, the agency fee is paid by the buyer, and the amount is 2.5% of the house price, but it is also charged to the buyer and the seller respectively. In order to reduce the possible risks in second-hand housing transactions, the following clauses are essential: 1. Basic information should be listed: the name, domicile and contact information of the buyer and seller; 2. Ask the seller or intermediary to clearly write down the basic information of the house, including location, nature, area, structure, pattern, decoration, facilities and equipment, whether there is mortgage, whether anyone agrees to sell, etc.; 3. Price-related issues: specify the total house price in the contract, indicate whether it is a one-time payment, installment payment or loan application, specify the payment time and stipulate the payment terms; 4. Write down the time and conditions of delivery, the process and expenses of handling relevant formalities; 5. Liability for breach of contract: it is regarded as breach of contract when it occurs, the calculation and payment of liquidated damages, deposits and compensation, and how to solve disputes (arbitration, litigation, etc.). ) If negotiation fails; 6. Indicate the entry into force, suspension, termination or dissolution of the contract; 7. The conditions for alteration and transfer are stipulated in the contract, or the prohibition clauses that may not be altered or transferred are stipulated. In addition, when adding some terms, it must be implemented in words, and the intermediary is required to affix the official seal of the company on it.
Verb (abbreviation of verb) Intermediary mediator submits house payment In order to ensure the vital interests of buyers and sellers of real estate and prevent unnecessary disputes in the transaction, the intermediary accepts the entrustment of buyers and sellers to provide intermediary mediator services for "house payment and house handover" in real estate transactions. After signing the sales contract, the buyer and the seller sign an intermediary insurance contract with the intermediary to pay the intermediary premium. The seller shall submit the original and photocopy of the house ownership certificate and the confirmation notice of public housing listing approval, and affix the name seal. The buyer is required to submit a copy of valid identity certificate and its name and seal, and individuals from other provinces and cities are also required to apply for the Notice of Approval for House Purchase in Beijing.
Transfer settlement of intransitive verbs The buyer and the seller pay the relevant taxes and go through the formalities of transfer of the deed. Then, after the buyers and sellers confirm that the property is correct, the mediator will assist the buyers and sellers to settle the property delivery and property management fees and move out of the seller's account, hand over the keys of the sold house to the buyer, and hand over the house payment to the seller, and the mediator will settle the accounts among the three parties. The brokerage company shall assist in handling the change of property rights; If the buyer needs a loan, the brokerage company will assist in handling it and provide phased guarantee.
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