What are the problems and precautions in buying a second-hand house in Shanghai?

Matters needing attention in buying second-hand houses

First, clear property rights.

Whether the owner and the seller on the property certificate are consistent, find out the nature of the house sold, and whether the area confirmed on the property certificate is consistent with the actual area, and verify the legality and authenticity of the property certificate.

Second, the integrity of property rights.

Confirming the integrity of property rights is to judge whether the property is mortgaged, including private mortgage and occupation.

Third, the quality of housing.

Observe the structure, architecture and decoration materials of the house. See if there are any changes in the internal and external structure of the house; Whether there is a private construction part; Whether it is occupying corridors or balconies. ; It involves the problem of how to calculate the balcony area.

Fourth, living space.

Observe whether the internal structure of the house is reasonable, whether it is suitable for living and the size of the activity space.

Verb (abbreviation of verb) decorative configuration

Look at the level and degree of the original house decoration, and confirm whether the power supply facilities, gas supply pipelines and water pipes of the house are aging, and whether the telephone lines and broadband installations are complete.

Intransitive verb property management

Understand the price and payment method of water, electricity, coal and heating in this area, whether it is door-to-door collection or personal payment, observe whether the elevator can be used normally, and understand the basic situation of parking lot and community greening in this area.

Seven. Housing history

Judging the value of a house through repeated comparison of amplifiers in the market, entrusting an intermediary company to make a value assessment, and the bank will make a value assessment when providing mortgage, which can be regarded as the lowest value of the house.

8. Transfer of property rights

You need to find a guarantee company and transfer the house payment to the seller's account after the transfer is completed.

Extended data:

First, the conditions for applying for second-hand housing loans

1. The seller has the right to completely dispose of the transaction house according to law, and the transaction house has obtained the property ownership certificate.

2. The age of the purchased house cannot exceed 29 years, and the property right of the house traded by the seller belongs to * * * or other property owners and * * *, and the transfer is agreed.

3. The seller and the borrower shall sign a unified real estate transfer contract.

4. The borrower must pay the housing provident fund in full and on time for 12 months from the date when the employer establishes the housing provident fund account for him to the date of applying for the loan.

5. The borrower must have full capacity for civil conduct and the ability to repay the loan principal and interest.

6. There are loan guarantees, mortgages and pledges that meet the requirements of the Center, and the loan amount and term meet the requirements of the Center.

7. Employees who intend to apply for second-hand housing loans should submit the borrower's spouse's salary income and housing provident fund deposit certificate in triplicate and the original and photocopy of the housing ownership certificate before the transaction, and the business personnel will review and confirm whether the employee's housing provident fund deposit is normal and whether the employee's spouse's salary income certificate is true and standardized.

Second, the second-hand housing transaction fee

1, business tax

The tax rate is 5.65% paid by the seller.

2. Personal income tax

65438+ 0% of the total transaction amount calculated according to the tax rate or 20% of the difference between two transactions shall be paid by the seller.

(1) The only family residence.

② The purchase time is more than 5 years.

(3) If both conditions are met, individual income tax may be exempted; if either condition is not met, individual income tax must be paid.

Step 3 stamp duty

The tax rate is 1%, which is shared equally between the buyer and the seller (exempted in 2009).

4. Deed tax

The basic tax rate is 3%, and the preferential tax rates are 1.5% and 1%.

5. Surveying and mapping costs

1.36 yuan/m2× actual surveying and mapping area

6. Total transaction costs of second-hand houses

Residential 6 yuan/m2× actual surveying and mapping area, non-residential 10 yuan/m2.

7. Registration fee