Step 1: Select the housing

There are many channels to choose the second-hand housing. First, go to a regular real estate agent to find the housing information. The second is through the introduction of relatives, friends and acquaintances. The third is to query the information published in real estate websites or newspapers, such as SouFun. In addition, you can also go to the field to find housing, such as which residential house you like, you can go to the residential property department or residents to ask, and generally you can ask a lot of information.

step 2: property right review

for second-hand houses, the most important thing before buying is to "know" the origin of the house.

first, it depends on whether the ownership of the second-hand house is true, complete and reliable, and the relevant documents of the "two certificates" of the house are reviewed. Houses without two certificates are not allowed to be bought or sold. When some homeowners sell their houses, they indicate that "the property right certificate is being processed". Experts suggest that such a house can't be bought even if it is cheap. If it can't be certified, the loss will be great. For the sake of prudence, property buyers can investigate and verify the authenticity and identity of relevant certificates and their records to the real estate registration authority. Understand whether the house to be traded has property rights disputes.

second, if you choose a house, you should also know whether the property right of the house is owned by others. According to the regulations, the second-hand house belongs to two or more (including two) entities, and the written certificate of the owner's consent to the transfer should be examined (submitted).

thirdly, before the second-hand house transaction, the buyer should check whether there are any other disputes on creditor's rights and debts in the house. Are there any administrative organs such as people's courts, people's procuratorates, public security organs, state security organs, etc.

fourthly, we should check whether the second-hand houses are available. If there is a mortgage, it shall obtain written evidence that the seller has notified the mortgagee, or obtain the written consent of other obligees such as the mortgagee to transfer.

Fifth, it depends on whether the purchased second-hand houses belong to the houses that are allowed to be sold, because some units still reserve the preemptive right when the public housing is "reformed". In addition, it depends on whether the construction area of the purchased second-hand house is accurate, because sometimes the actual area of the house sold does not match the area indicated in the property certificate, and the area of the house sold in the contract shall be subject to the area indicated in the property certificate; See if the owner and the seller on the house ownership certificate are the same person, and if not, what is their relationship; We should investigate the quality, location, environment, price, structure, pattern, lighting conditions and property management of the house. The third step: the two sides negotiate the price. If the buyer chooses the house through the above procedures, then the next step is for the two sides to negotiate the price and see how much the house is worth. However, many property buyers find it difficult for buyers and sellers to talk about it together and reach an agreed price.

experts suggest that it is a very complicated job to estimate the price of second-hand houses. For ordinary people, we should first carefully understand the housing quality problems that may affect housing prices. Because the second-hand house has lived for a period of time, buyers should carefully check the following aspects: First, whether the house has changed its internal and external structure, because some unauthorized changes will affect the firmness and even life of the house. Second, observe whether the house type is reasonable. For example, the house does not face the sun, or there is no "dark room". Are there any obvious problems such as water seepage and cracking in the room? Third, check the supporting facilities of the house. Whether the pipeline gas is turned on, and whether the voltage and water pressure are qualified. If the house does not have the above quality problems, buyers can have a basic understanding of the price with reference to the surrounding second-hand housing prices. In addition to the above valuation methods, the second-hand house needs to be appraised by a special appraisal agency when trading. If the transaction is not conducted through an intermediary, both parties need to go to the designated appraisal company for appraisal, and the appraisal is mainly used to verify the price of the house, which is convenient for both parties to conduct transactions and apply for loans for buying a house. However, the second-hand housing transaction procedures are relatively complicated, and professional agencies can be entrusted to act as agents.

step 4: sign the contract.

it needs to be reminded that when signing the house purchase contract, both parties must use the standard contract-the Purchase and Sale Contract of Municipal Stocking House, which is supervised by the Municipal Real Estate Management Bureau and sold in all district real estate management bureaus and the Municipal Real Estate Exchange Center. When signing the contract, you need to fill in the location of the house, the number of the house ownership certificate, the number of the land use right certificate, the agreed house price, the specific payment method, etc. Experts remind us that we should pay attention to the following points when signing a contract: make clear the rights and obligations of both parties and the commitments of the owner, and when signing a contract, we should indicate the responsibilities and obligations of all parties and the commitments of the owner to customers in the contract or agreement, which will help to avoid disputes, even if disputes arise, they are well documented; Clarify the liability for breach of contract. Such as overdue delivery, breach of contract and other breach of contract should be indicated in the contract or agreement.

Step 5: Transfer ownership with "two certificates".

when signing a contract, the buyer needs to pay a down payment, and then the buyer and the owner go to the district real estate bureau where the house certificate is issued to handle the transfer, and generally pay a down payment when transferring. Both parties shall prepare the following materials for transfer: Wuhan real estate transaction ownership registration application form, two copies of Wuhan Stock House Sales Contract, two copies of appraisal report, two copies of surveying and mapping drawings, one set of original House Ownership Certificate and one copy of State-owned Land Use Certificate, ID cards of both parties, household registration book and original and copy of marriage certificate. After running the "Property Ownership Certificate", the buyers should go to the land department to apply for the land certificate. Similarly, the following information is needed to go to the District Land Administration Bureau: the original State-owned Land Use Certificate under the original landlord's name; Copies of ID cards of both parties to the transaction; A copy of the Property Ownership Certificate just issued by the property buyer; One original of Wuhan Stock House Sales Contract; Application for land registration. The State-owned Land Use Certificate has also been completed. Handling the transfer procedures is complicated, and ordinary people can entrust a professional intermediary company to handle the transfer of real estate due to their lack of real estate transaction knowledge, relevant experience and procedures of relevant departments.

step 6: apply for a loan.

nowadays, second-hand housing prices are getting higher and higher, and many buyers need loans to realize their housing dreams. At present, banks have carried out second-hand housing loan business. Property buyers need to prepare some materials when applying for loans: ID card, household registration book, proof of economic income, Property Ownership Certificate and State-owned Land Use Certificate of the house to be purchased, Wuhan Stock House Sales Contract signed, and Appraisal Report issued by appraisal company. Then apply for a loan to the guarantee company. After investigation and approval by the guarantee company, the buyers should sign a series of materials needed for mortgage setting, such as Loan Contract, Mortgage Contract, Mortgage List, Power of Attorney and Mortgage Registration Application Form.

step 7: apply for a mortgage.

with the loan contract, mortgage contract, mortgage list, mortgage registration application form signed when applying for a loan, the newly-processed Property Ownership Certificate, State-owned Land Use Certificate and mortgage evaluation report, the property buyers go to the District Real Estate Administration Bureau to handle the Other Ownership Certificate. After the guarantee company issued the Lending Notice, the buyer and the seller came to the bank with their respective ID cards and newly-issued Property Ownership Certificate, State-owned Land Use Certificate and Other Warrants. Both parties open accounts with their own ID cards, and the bank transfers the loan applied by the buyers to the landlord's account, and the buyers' own account will be the monthly repayment account.

(The above answer was issued on June 26, 2115, and the current relevant house purchase policy should be based on the actual situation)

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