Face-to-face signing of second-hand houses means that buyers and sellers need face-to-face signing when they finally sign the contract. That is, the specific contract face-to-face signing and bank face-to-face signing are still carried out jointly by the buyer and the seller. In the sale of second-hand houses, compared with the individual handling, the intermediary agent also needs to join the intermediary agency contract, and all three parties are contractually binding. Intermediary agency is more convenient and worry-free, and loan matters often need to be handled by banks, so many lenders will choose this method.

Second-hand housing is a property that has been registered in the real estate trading center, completed the initial registration and general registration, and listed again. It is relative to the commercial housing in the hands of developers, and it is the common name of the third-tier market of real estate property rights transactions.

Matters needing attention in face-to-face signing of second-hand houses 1. Attend in person.

Basic information such as the names, residences and contact information of buyers and sellers of second-hand houses should be stated in the purchase contract. During the interview, the bank will also check the personal data to see whether the application materials submitted by the borrower are complete, whether the photo of the ID card is consistent with the person and whether the signature is consistent. Therefore, the borrower must be present in person and cannot be entrusted.

2. Ensure that there is no problem with personal credit reporting.

There are channels within the loan bank to directly check the credit records, and the staff may ask you some questions separately. For example, if you borrow a loan for a few days, you will ask why. At this time, as long as you sincerely answer that you have forgotten and are not careful, it will not affect the loan. There are too many records of handling cards and loans, which will also have certain negative effects. It is recommended to prepare several reasonable reasons before the face-to-face signing.

3. Pay attention to the nature of work and income.

When buying a second-hand house to apply for a loan, there will be a column to fill in the work unit and income flow. If there is a big difference between your answer and the application materials when you sign in person, you will be considered as suspected of fraudulent loans by the bank, so I suggest that you should be clear about what you have filled in.

Before signing the contract, be sure to find out the basic situation of the house.

When signing the second-hand house face-to-face, we should pay attention to the specific information of the house in the purchase contract: house address, building category, area, real estate license number, etc. Before signing the contract, it is very important to confirm the property right in person, especially the second-hand housing transaction, in addition to the previous property right inquiry. Accompanied by the seller or intermediary, you need to take the real estate license to the local real estate trading center to verify the property rights, and then you can sign a formal commercial housing sales contract with the seller.

The lease of the house for sale should also be informed in the contract to avoid the situation that the house ownership certificate cannot be obtained when buying a house. In addition, whether the house is mortgaged or not needs to be made clear by the seller, so as not to affect the property right certificate and the house payment in the future.