I. Property right audit
Buyers are worried about buying a house with defective property rights, which is one of the main reasons why buyers are afraid to conduct independent transactions. But if the preparatory work is done well, there will be no big problem. First of all, we should carefully check the owner's real estate license and observe the signatures of several people on the real estate license. If there are two people, the names of two people are required for subsequent signing; Secondly, check the relevant evidence when buying a house, such as the purchase certificate and deed tax, as the relevant evidence to confirm the ownership of the property.
Second, redemption, deposit and contract signing
Under different foreclosure methods, the cost is different, the mortgage time is different, and the risk is different.
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.
After 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, the deposit should not be paid directly to the owner, but to 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 deposit to the seller after the foreclosure is completed, and stating that "if the deposit is paid to the third party, it will be regarded as the receipt of the seller, and if the seller refuses to perform the contract on the grounds of not receiving the deposit, it will be regarded as a breach of contract". If there is no reliable third party, the deposit will be given to the bank. The specific way is: the buyer and the seller can go to the bank to sign an agreement, stipulating that after the transaction is completed, it will be transferred to the seller's account.
Third, sign a sales contract.
When signing a written agreement, we mainly pay attention to four aspects, namely, property rights, total house price, transaction taxes and fees, and date, among which we should pay attention to how to share the transaction taxes and fees in the written agreement. The date is also very important, such as the time to pay the deposit, transfer the ownership and hand over the house. Only by setting a date 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 paid to the bank within 7 days after signing the contract.
Fourth, pay down payment and funds.
The second biggest concern for independent trading is capital. In fact, capital 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 should be placed in the bank.
Fifth, choose banks and mortgages.
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.
However, before applying for a mortgage, buyers need to know their own details. If the property is relatively new, such as after 2000, the loan can generally reach 80% because of the relatively high appraisal price. If it is a house before 2000, then the loan can only be 60% to 70%. As for the down payment and the down payment, the bank can also handle the mortgage at the same time, so as not to run errands back and forth.
Transfer of ownership and tax payment of intransitive verbs
Transfer needs to go through the transfer formalities at the property right registration office where the property is located. Buyers and sellers need to bring the original ID card, the original real estate license and the second-hand house sales contract. After general delivery, the owner can let the bank release the previous deposit after receiving the receipt.
Second, do you need to upload your ID card and title certificate when selling a house on Shell Net?
Need. Procedures required for selling a house: 1. The seller has his own identity card and household registration book; 2. Only the husband and wife personally go to the local housing property registration department to sign to confirm; 3. All the formalities of the house are complete. Selling process: 1. When buyers and sellers reach an understanding of real estate sales, they need to sign a house purchase contract. 2. The buyer and the seller must be notarized after signing the house purchase contract, and the notarization needs to be notarized at the notary office where both parties are located. 3. To transfer the real estate, you need to bring the information of both parties, including ID card, household registration book, real estate license and marriage certificate to the Housing Authority to apply for transfer. In this process, it is necessary to declare the price of the house. 4. Second-hand housing transactions need to pay taxes, and both buyers and sellers need to pay taxes separately, including stamp duty, personal income tax and transaction fees. 5. To handle the transfer of house property rights, you need to bring the paid tax certificate to the Housing Authority for the transfer of house property rights. After the formalities were changed, the house was officially traded successfully.
3. What are the steps of the second-hand housing transaction process?
Second-hand housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when buying a house or commercial house with the seller's real estate license and can be traded in the market, and the rest is applied to a lending institution with the property to be purchased as collateral. Second-hand housing mortgage loan application conditions (1) legal identity certificate of the borrower; (2) the borrower's economic income certificate or occupation certificate; (3) the borrower's household registration book; (4) Borrowers with spouses need to provide proof of husband-wife relationship; (5) If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment responsibility of * * *; (6) Property certificate of the purchased second-hand house; (7) The house sales contract signed with the seller and the transfer account provided by the seller; (8) If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender; (9) the property right of the purchased house * * * a written authorization document that someone agrees to sell the house; (10) Other documents or materials required by the lender. Second-hand housing mortgage loan application materials (1) information required by the buyer 1) ID card (husband and wife), temporary residence permit (migrant population), household registration book (husband and wife), marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate), income or solvency certificate (issued by the company) and business license stamped by the company. Current passbook of the applicant's loan bank 8) Other materials required by the bank (2) Information required by the seller 1) Identity card (husband and wife), temporary residence permit (migrant population) 2) Household registration book (husband and wife) 3) Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate) 4) Certificate of consent of the spouse to sell (fixed format) The longest term of mortgage loan for second-hand houses shall not exceed 15 years, and the sum of loan term and building age shall not exceed 20 years. Other Frequently Asked Questions on Second-hand Housing Mortgage Loan (1) What are the requirements for the age and duration of second-hand housing mortgage loan? At least 18 years old and the sum of housing loan period and housing period is not more than 35 years, and the loan period plus the borrower's age is not more than 65 years. (2) "Seven Steps" of Second-hand Housing Mortgage Loan It is understood that in order to obtain second-hand housing mortgage loan smoothly and successfully, consumers generally have to take the "seven steps": the first step: first, find the house they want to buy, but the house must be a house with clear property rights (the house ownership certificate has been handled) and meet the conditions stipulated by the government for entering the real estate market. Step 2: Select the real estate transaction institution designated by the bank that can handle mortgage loan business (such as the real estate agent of Quanzhou Real Estate Transaction Management Office), complete the real estate value appraisal in this institution and pay the real estate appraisal fee. Step 3: When applying for a second-hand housing mortgage loan, you should fill in the loan application form and submit the following materials to the loan bank: 1) proof of identity (resident ID card, household registration book or other valid proof of residence), proof of academic qualifications and proof of marital status; 2) proof of economic income and other property certificates, including deposit certificates and securities, can be provided selectively; The more comprehensive the above certification materials, the higher the score of the bank in the loan evaluation, and the better the conditions for enjoying the loan amount and time; 3) The house purchase agreement signed by the buyer and the seller; 4) Proof of agreeing to mortgage the purchased house; (5) Having its own funds not less than 30% of the purchase price; 6) Other documents or materials required by the lending bank. The seller shall provide the following information: 1) identification certificate and photocopy of the seller (including the owner) and proof of marital status; 2) The written document of the owner of the house agreeing to sell; 3. The house ownership certificate and a copy of the house sold; 4) If the house has been rented, the certificate of the lessee's consent to the sale shall be provided; 5) Proof that the house sold meets the conditions for listing and sale. Step 4: The bank will review the authenticity, legality and compliance of the information sent by the buyer and the seller and the credit standing of the borrower. After the approval, a loan commitment letter will be issued to the buyers, and the bank will indicate the mortgage loan for several years. Step 5: The buyer deposits the down payment of the house into the account of the real estate transaction institution designated by the bank, and the bank freezes it. After the down payment is delivered and the loan commitment letter is signed, the seller goes to Quanzhou Real Estate Transaction Management Office to handle the house transaction procedures. Step 6: After the house transaction procedures and the new real estate license are completed, the buyer signs a loan contract with the loan bank and goes through the mortgage, insurance and other related guarantee procedures. Step 7: the loan contract comes into effect, the funds are transferred to the account designated by the buyer, and then the buyer delivers the loan and the down payment to the seller together. (3) How to avoid the transaction risk in the second-hand housing mortgage loan (1) In general, for the second-hand housing mortgage, both parties to the transaction should apply before the transfer formalities, and then apply after the transfer formalities, which will cause the danger that the transaction cannot be completed. When approving loans, banks should not only investigate the financial situation and repayment ability of buyers, but also require both parties to provide housing evaluation reports to determine the loan amount based on the lower of the evaluation price and transaction price. The buyer needs to pay a down payment of not less than 30%, and the loan period is determined according to the service life of the house and other factors. Neither the buyer nor the seller knows that all these links may lead to the failure of the transaction. 2) To apply for a second-hand house mortgage, you need to go through the transfer procedures. Only after the name of the property owner is changed from the seller to the buyer can you apply for a loan with the property as collateral. In general, before the transfer formalities, the down payment paid by the buyer should be deposited into the account of the real estate transaction institution designated by the bank, which will be frozen by the bank, so as to avoid the risk that the buyer maliciously delays the mortgage formalities, and the seller will not receive the final payment of the house or will not go through the transfer formalities after receiving the down payment. 3) If there are only purchase contracts and invoices, don't buy a house without a title certificate, otherwise it may be impossible to apply for a title certificate because of the developer's problems. Professionals pointed out that in order to maximize the use of funds, it is suggested to use the new business provided by some banks-"personal housing revolving credit" business. Property buyers can obtain a revolving credit line of up to 30 years from the bank at one time, and the repaid housing loan principal can be borrowed at any time without going through the mortgage formalities again to solve the unexpected needs. (4) Second-hand housing mortgage-related expenses and transaction costs 1) Loan-related expenses include: appraisal fees, notarization fees, mortgage registration fees, insurance fees, etc. , slightly different due to different billing unit standards; 2) Transaction costs include: transaction supervision fees, deed tax, etc. These fees are collected by the housing management department. If you need a loan, recommend Easy Loan China Loan Service to solve your problem.
Fourth, shell second-hand housing transaction process cycle?
According to the specific situation of both parties, such as whether the buyer and the seller have loans and how to apply for the title certificate, it can be completed within one day at the earliest. Generally, it will be completed in about one month and within two months. Of course, if the delivery, payment and transfer time are otherwise agreed, the agreed time shall be negotiated by both parties.