Many people love second-hand houses because they have the following advantages: 1. The price is lower. Compared with commercial housing, the price of second-hand housing in the same region is relatively cheap. 2. Excellent geographical location and convenient transportation. Many second-hand houses are located in the city center, with relatively developed transportation and complete surrounding facilities. 3. Second-hand houses can also be bought by loans, which lowers the threshold of second-hand housing transactions and promotes second-hand housing transactions to some extent. Most of the second-hand houses are small units, so the total price is not very high and the investment is small, but the appreciation potential is great. 5. The second-hand house is an existing house, which is easier to grasp than some commercial houses and can be lived after purchase. 6. The property management fee for second-hand houses is relatively cheap.
What kind of second-hand houses can be bought and sold?
According to the relevant policies of housing reform, purchased public housing and affordable housing with legal property rights certificates can be listed for sale, including public housing purchased at cost price, standard price and standard price preferential measures; Housing projects purchased at cost price or standard price; Raising funds for cooperative housing construction; Affordable housing purchased at the guiding price stipulated by the Municipal People's Government; Housing projects purchased at a cost higher than the prescribed cost price and housing built by fund-raising cooperation. For example, in the administrative area of Beijing, public residential buildings, including new buildings and existing buildings, directly managed by the government housing management department and managed by property rights units can be sold.
But not all public rental housing and affordable housing can be listed and traded. Don't buy or sell houses that are not allowed to be listed for sale by law just because they are cheap. There are mainly the following types of houses:
1. Purchase at a price lower than that stipulated in the housing reform policy, and fail to make up the house price as required;
2. The housing area exceeds the control standard stipulated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government, or is decorated with public funds in violation of regulations, and the part exceeding the standard is not returned or supplemented as required;
3. The household registration is in the frozen area and has been included in the scope of the demolition announcement;
4. Some houses have property rights, and some * * * do not agree to sell;
5. Mortgaging or transferring without the written consent of the mortgagee;
6. New housing difficulties are formed after listing and selling;
7. Changing the nature of the use of the house without authorization;
8 laws, regulations and other provisions of the people's governments at or above the county level should not be sold.
Who is suitable for buying a second-hand house?
It should be said that the following people are suitable for buying second-hand houses: 1. Tenants with certain economic strength. As we all know, renters have to pay a certain amount of rent every month. If he has a certain economic strength, he can borrow money to buy a second-hand house and pay his monthly contributions with rent. Some investors don't have much money on hand. Because the total price of second-hand houses is not very high, the location is good and it is easy to rent, so these people can invest in second-hand houses. 3. Some residents who have been demolished often use the compensation for demolition to buy second-hand houses because they have lived in the urban area for a long time, have feelings for the urban area and are not very well funded. 4. Some ordinary residents and some foreigners who have no housing for a long time are not strong in economic strength, but they have some savings, so they borrow money to buy second-hand houses. Some white-collar workers are also suitable to buy second-hand houses as a transition, and then buy commercial houses when they are strong.
Ten reasons to find an intermediary to buy a second-hand house
1. The second-hand housing business is complex, involving many links, and many things cannot be solved by professionals. It is not as black as crows in the world. The situation now is more because a few bad pieces of meat have spoiled a full pot of soup. 3. Second-hand housing transactions usually take a long time, do you have so much leisure to toss? 4. Many people buy second-hand houses for investment, and the intermediary can help you make a detailed investment plan. 5. There is a lot of information about the intermediary, and there is a lot of choice. 6. Many "no intermediary talk" words are written by some intermediary companies themselves, in order to attract buyers or renters who don't know the truth. 7. After exempting the intermediary, you will meet some illegal individuals, and you may be deceived. 8. Second-hand housing agents also have high reputation and qualifications, which can really help a lot. 9. Some businesses are difficult to complete without the help of intermediaries, such as intermediary guarantee business, pawning old business and buying new business. 10. The intermediary has a fixed place. If there is a dispute, you can go to it. If you deal with a person, how can you find him as soon as he runs away?
Therefore, the key to the second-hand housing business is not to find an intermediary, but to understand the intermediary and what kind of intermediary to find.
How to identify the authenticity of real estate license?
Compared with other real estate licenses, the new real estate license has the following points:
First of all, the format content is different. The new house ownership certificate is designed and supervised by the Ministry of Construction, and exclusively printed by Beijing Banknote Printing Factory of China People's Bank. There are three new certificates: real estate license, house ownership certificate and house ownership certificate. The inside page is printed with uniform and standardized filling items. Due to unified supervision and exclusive printing, the standardization, standardization and unity of the warrants are guaranteed, and the authority of the warrants is enhanced. Secondly, the quality of warrant printing is excellent. The cover is red (other warrants are blue) and printed with the golden national emblem. The material is imported passport fabric, the inside page is pink banknote printing paper, and the passport banknote printing process is adopted. Thirdly, anti-counterfeiting functions are added, such as registration number, group flower, watermark and so on. Fourth, the authenticity of the issuing authority and seal.
According to the characteristics of the above new certificate, we can generally see its printing quality. Because the new certificate is exclusively printed according to special technology and materials, its quality, texture and printing are not generally comparable. The printed ones are real and the rough ones are fake. The most important and essential identification method is to master the characteristics and anti-counterfeiting function of the new certificate. There are mainly the following aspects:
1. Building registration number. As the new certificate is supervised by the Ministry of Construction, the Ministry of Construction has registered and numbered every city (county) issuing authority that can issue certificates. When distinguishing, it depends on whether it has a number and whether the number is the national unified number published by the Ministry of Construction.
2. Issuing authority (seal). Here we should pay attention to two aspects: first, the standardized issuing authority is the municipal (county) real estate administration or the municipal (county) people's government, and no other unit or department has the right to issue certificates, and the warrants issued by it are illegal and invalid; Second, the seal is overprinted, and the impression is clear, clean and uniform, which is incomparable to manual stamping.
3. group flowers. On the back page of the cover, there are five flowers made of thin lines of earth red and green. Smooth lines and clear texture.
4. lace. The home page, that is, the seal page of the issuing authority, is equal in width and symmetrical; Symmetrical brown border with equal width left and right. The pattern is delicate and clear.
5. Dark printing and watermarking. The paper used is banknote printing paper, with light background color, and printed with the background of "House Ownership Certificate" in isometric style. If you point the paper at a bright place, you can see a high-rise or multi-storey watermark house.
6. number. On the third page of the cover, that is, the lower right corner of the "Remarks" page, there is the printing serial number of the banknote printing factory. The certificate numbers of the same issuing authority are continuous.
7. Issue number. That is, there is a warrant number compiled by the issuing authority at the top of the home page. This figure is consistent with the records in the books and files of the issuing authority.
How to inquire about the property rights when buying a house?
Buying real estate requires a considerable sum of money, so the safety of investment is the primary factor that every buyer must consider, otherwise it will infringe on the interests of buyers carelessly. In order to ensure the safety of real estate, it is necessary for every buyer to know the property right before buying a house. Having a clear understanding of the property rights of the purchased house before buying a house can not only avoid being cheated, but also protect your own interests after buying a house.
To understand the status of housing property rights, property buyers should do the following steps:
The first step is to ask the seller to provide legal documents, including real estate license, identity certificate, qualification certificate and other documents.
The title certificate refers to the Property Ownership Certificate and the Land Use Right Certificate.
Identity documents refer to identity cards, work permits and household registration books.
Qualification certificate is to check the main qualifications of both parties to the transaction, such as the seller's qualification certificate of housing development and operation for the sale of commercial housing; The agent shall check whether the power of attorney is valid; * * * If there is a house for sale, you need to submit other * * * consent certificates, and so on.
Other documents refer to: lease the property, and check the agreement or proof that the lessee waives the preemptive right; * * * If there is any real estate, you need to check the agreement or proof that * * * someone gave up the preemptive right; Winning property, to check the winning notice and the corresponding certificate.
The second step is to inquire about the property right source of the purchased property from the relevant property management department. The specific inspection method is:
Check the property right record: including (1) who the original owner is. Owners own property, we should pay attention to the proportion of property rights and ownership forms of each owner; (2) Document number, that is, the document number of the transaction. If the inquirer wants to get the whole document, he can use this number to inquire about the copy of the document from the relevant parties; (3) the date of registration, that is, the date of signing the transaction; (4) Transaction price, that is, the transaction transaction price; (5) The floor plan of the house and other contents.
The third step is to check whether the house has a debt burden. The property right record of the house only registers the authenticity of the property right owned by the owner and the original transaction. As for the debts and responsibilities arising from the operation of the house, you must check the relevant supporting documents. Including: mortgage contract, lease, etc. , but also a detailed understanding of the loan amount and repayment amount, the source of interest and rent, so as to have a deeper understanding of the property.
In addition, buyers also need to know whether the house is mortgaged and whether the house is sealed up by the court.
In short, if buyers want to know the real situation of housing property rights, they should not only ask the seller for all the property rights certificates and read them carefully, but also go to the housing management department to inquire about the property rights records of the property, so as to clearly understand all the property rights details of the house without any omission.
How to evaluate the price of second-hand houses?
Real estate price evaluation refers to the act of combining technical standards with market conditions and applying the principles of fairness and openness to confirm the economic value of real estate.
As a special commodity, real estate has many factors that affect its price, and it is difficult to grasp it by experience alone. Professional appraisers should also adopt two or more evaluation methods to determine a more reasonable price.
The commonly used methods of second-hand housing price evaluation are cost method and market comparison method.
The cost method is to calculate the price of the house by multiplying the sum of all the costs needed to build the house now by the newness of the house.
Market comparison method is a popular evaluation method, that is, using recent known or occurred transaction examples, we choose real estate with similar lots and housing conditions, and compare it with the real estate to be evaluated, so as to get a preliminary price first. Because there are no identical properties, even very similar properties will be affected by the transaction date, region, environment and other factors, so that their prices are different. Therefore, it is necessary to revise the initial price and finally determine a more reasonable price.
What are the procedures for buying a house?
First of all, we must sign a house transfer contract. According to the provisions of laws and regulations such as "People's Republic of China (PRC) Urban Real Estate Management Law", "Ministry of Construction Urban Real Estate Management Law" and "Regulations of Ministry of Construction on Urban Real Estate Transfer Management", the parties involved in the transfer must sign a written contract if they are engaged in the sale, gift and other transfers of real estate within the land of urban planning area.
The main contents of the contract shall include: the names or addresses of both parties; The name and number of the real estate ownership certificate; The location, area and scope of real estate; Plot number (the number of each land use right certificate approved by the Land Planning Bureau); The way and time limit for obtaining the land use right, and the use or nature of the real estate; Transaction price and payment method; Real estate delivery time; Liability for breach of contract; Other matters agreed by both parties.
Secondly, it is necessary to go through the formalities of house transfer. The transfer procedures are as follows: 1? Both parties shall, within 30 days after the signing of the house sales contract, apply to the real estate management department with the certificate of real estate ownership, the legal certificate of the parties, the transfer contract and other relevant documents, and declare the transaction price; 2? The real estate management department shall review the relevant documents provided and give a written reply on whether to accept them within 15 days; 3? The real estate management department shall verify the declared transaction price, and conduct on-site investigation and evaluation of the transferred house as required; 4? The parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the regulations; 5? The real estate management department issues a transfer order.
After handling the above procedures, both parties shall obtain the certificate of real estate ownership according to the transfer procedures and the provisions of People's Republic of China (PRC) Real Estate Management Law.
Five disciplines of signing the second-hand house sales contract
1? The terms should be complete: the parties should fully and concretely express their requirements through the terms. In addition to the main terms required by the transaction contract, other necessary terms should be included according to the specific requirements and combined with the specific situation.
2? Appropriate form: the rights and obligations of both parties should be clearly defined in writing in the second-hand housing transaction contract, otherwise it will be difficult for relevant departments to handle disputes in time.
3? Procedures should be improved: contracts should be signed and sealed by both parties, and contracts that must be signed or notarized by the parties should be signed by the administrative department for industry and commerce or notarized by a notary office.
4? Accurate written expression: When signing a contract, both parties must pay attention to the accuracy of written expression. Many second-hand housing transaction contracts often ignore the accuracy of the terms, and there are often some ambiguous and unsatisfactory words. In this way, each has its own understanding and explanation, which is prone to disputes.
5? The specific content of the contract should be refined: the signing of second-hand housing transactions should be grasped not only in general, but also in specific content. Attention should be paid to the following matters when signing a trading contract:
(1) objective situation of the house: the terms of the house shall include the location, structure, level and area of the house. In addition, the housing environment, supporting facilities and property management should also be indicated.
(2) House price and payment method: the payment method includes one-time payment or installment payment. Therefore, the total amount and payment method of the house price must be clearly stipulated in the contract, and both parties should make a clear accounting.
(3) Term and method of contract performance: mainly refers to the date and procedure of house delivery; Date and method of payment of house price, etc. For example, whether the house price is paid in cash or by check, whether it is paid at the seller's place or at the buyer's place, there must be clear regulations.
(4) Property right registration: This is the obligation of both buyers and sellers, and it is also their right. Without the registration of property rights, the transfer of real estate will have no legal effect, and if there is a dispute in the future, it will be unfavorable to the owner of the house.
(5) Tax burden: according to the provisions of the law, determine the taxes and fees that should be borne by both parties to the transaction. The registration fee, stamp duty, deed tax and other expenses arising from the transaction shall be borne by both parties through consultation.
(6) Liability of both parties for breach of contract: refers to the civil liability of the buyer or seller for losses caused to the other party due to non-performance of the contract. The seller's failure to perform the contract is mainly manifested in: overdue delivery; The delivered house has serious quality problems; The property sold by the seller has problems in property rights. The buyer's failure to perform the contract mainly includes: failure to pay the payment within the prescribed time limit; The house that the seller refuses to deliver without justifiable reasons, etc. The civil liabilities of the buyer or seller due to breach of contract include: compulsory performance of the contract, payment of liquidated damages, compensation for losses, etc. This article is the last line of defense for both parties to ensure their own rights and interests in second-hand housing transactions.
Ten points to pay attention to when buying second-hand houses
First, whether there is a private construction part. If it occupies the roof platform and corridor, whether there is a small attic in the house; Whether there are any changes in the internal and external structure of the house, such as changing the balcony into a bedroom or kitchen, and dividing a room into two rooms. And whether the balcony is closed by the owner himself, which involves the problem of how to calculate the area.
Second, confirm the exact area of the house. Including the construction area, usable area and actual room area, the real estate license will generally indicate the construction area. The safest way is to measure the area from one corner to another in the house, which is called carpet area.
Third, observe the internal structure of the house. Whether the apartment type is reasonable and whether there are any shortcomings that are particularly unsuitable for living; Whether there are too many pipelines and unreasonable wiring; Whether there are signs of water seepage in the ceiling; Whether the wall has obvious problems such as bursting and peeling.
Fourth, the evaluation of housing municipal facilities. Turn on the tap and observe the water quality and water pressure; Confirm the power supply capacity of the house to avoid the embarrassment of air conditioning in summer; Observe whether indoor and outdoor wires are aging; Connection of telephone lines and closed-circuit television.
5. Understand the decoration situation and the internal structure diagram of the house, including the pipeline direction and the location of the load-bearing wall, so as to redecorate.
Sixth, the level of property management. How to collect the water, electricity and coal heating fee, whether it is collected at home or paid by yourself; Whether to go out in the middle of the night; Observe the cleanliness and layout of public corridors; Whether the community is closed; What is the safety level; How is the greening work in the community? What services does the property management company provide?
7. Understand the cost of living. The prices of water, electricity, coal and heating; The collection standard of property management fees; The parking fee.
The history of the old house. What year was it built and how long is the land use period? Who lives, what background, what purpose; Whether there have been any adverse events such as owing money or theft; Whether the fees of the property management company and the fees of water, electricity, coal and heating are owed.
Nine, neighborhood combination, visit neighbors from top to bottom. Find out whether they are comfortable living here, and chat with the staff on duty in the neighborhood Committee or the reception office to find out the situation.