What should I pay attention to when buying a house?

When buying second-hand houses, the most important thing is to carefully examine the integrity and reliability of housing property rights. First, the seller is required to provide the original legal property right certificate, and go to the housing management department to inquire about the authenticity of the property right certificate, as well as the property right source and property right record of the purchased property. Including the owner, registration date, transaction price, etc. It is also necessary to confirm the integrity of the seller's property rights and know whether the purchased house has been mortgaged and shared with others. Pay attention to whether the owner and seller on the real estate license are the same person. Secondly, it is necessary to find out whether the source of the purchased house belongs to the house that is allowed to be sold. Generally speaking, the public houses of troops, hospitals and schools must be sealed by the original unit before they can be sold. Unlike commercial housing, the sale of second-hand housing is generally a "case". Therefore, related prices, housing conditions, etc. , all need consumers themselves or their own entrusted institutions to understand in detail. Before deciding to buy, consumers should carefully observe whether the apartment is reasonable, whether all kinds of management are in place, and whether the power supply capacity can load large household appliances such as air conditioners. Check the ceiling for signs of water seepage, and the walls for obvious problems such as bursting or peeling. Some even ask about the level of community security, property management fees and charging standards. In addition, consumers must not forget to know how long the house has been purchased and how long the land use period is; Are there any arrears, such as property management fees, utilities, gas fees, etc. On the basis of mastering the basic situation of housing, consumers should compare and judge the value of second-hand housing from many aspects. You can also entrust a trusted intermediary or evaluation agency to evaluate whether you can make a second-hand housing mortgage loan. Under normal circumstances, banks will make a hedging assessment when mortgage loans, and this price can show the lowest hedging price of houses. Finally, I remind you that if you buy a second-hand house, don't trust the other party. You must go through the transfer formalities legally and thoroughly. Second-hand housing must be handled by the housing and land management department to truly change the owner, and the guarantee and notarization of any other unit are not regarded as completing the transaction. The four skills of choosing "second-hand house" as a commodity The transaction of "second-hand house" will become the most active part of the whole real estate transaction market. At present, the country has begun to increase the promotion of second-hand housing transactions, so the second-hand housing transactions will gradually become active, but the sale of "second-hand housing" is not as clear as buying a new house, so special attention should be paid to selection. Find out the status of property rights "second-hand houses" mostly become personal consumer goods with the commercialization of housing, and their "identity" is complex, so it is very important to know their property rights. The buyer's first step is to ask the seller to provide property certificate, identity certificate, qualification certificate and other documents; The second step is to inquire about the property source and records of the purchased property from the relevant real estate management department, including the owner, file number, registration date, transaction price, etc. The third step is to check whether the house has a debt burden. In addition, buyers also need to know whether the purchased house is mortgaged and whether it has been sealed up by the court. Special attention should be paid to houses with disputed or partial property rights (such as public houses purchased at standard prices), and those with property rights, unclear property rights and no property rights, even if the house is no better, will not get the property certificate after the transaction. See the structure of the house clearly. The structure of "second-hand houses" is usually complicated, and some houses have been rebuilt many times, and the structure is generally poor. When buying, we should not only know the age when the house was built, whether the existing construction area and usable area are consistent with those indicated on the property certificate, whether the layout of the house is reasonable, and whether the facilities and equipment are complete and intact. , but also to study the structure of the house in detail, to understand whether the house has damaged the decoration of the structure, whether there are hidden dangers such as selfless construction and reconstruction leading to damage to the main structure. To this end, you can go to the archives room of the housing management department to check the original files, look at the drawings and materials, and dispel doubts. The inspection environment and supporting old houses are generally located in urban areas, with high building density, and the surrounding environment has been formed for many years, which is generally difficult to change. It is necessary to carefully investigate whether there are pollution sources around the house, such as noise, harmful gases, water pollution and garbage. , as well as the surrounding environment, community security, hygiene and cleanliness. The survey of housing facilities mainly includes: water quality, water pressure, power supply capacity, gas supply, heating and charging standards, TV reception clarity, etc. Visit the neighbors and have a deeper understanding of the environment and convenience here. Understand the current situation of property management. The investigation of property management mainly focuses on the reputation of property management enterprises and the degree of service in place, depending on the basic quality of security personnel, the professional level of security equipment and management personnel, service attitude, whether the environmental sanitation and greening of the community are clean and comfortable, whether all facilities and equipment are in good condition and whether the operation is normal. We should also know the standard of property management fee, the price of water, electricity, gas and heating, the charging standard of parking spaces and so on. And find out whether a special fund for the maintenance of public facilities and equipment and public parts has been established, so as to avoid paying huge maintenance costs in the future and being unable to bear them. Many public houses have fallen into a state of "nobody cares" after being sold, so we should choose carefully. Bargaining skills of second-hand houses At present, the transaction of old houses is becoming more and more active. Consumers should master certain skills in the process of buying houses to avoid wasting more money. Due to years of wear and tear, the quality of old houses has declined, so it is difficult to accurately estimate their prices. In order to be in a favorable position when bargaining, buyers should grasp the situation of the house in advance. We should fully understand the weakness of the house, find out how long it has been on the market, why it should be sold, try to find out how many people bid and how much, and find out what additional conditions the seller has, how to pay, and whether it is installment payment. It is best to find out why the seller sells the house, the period when it must be sold, the purpose of the house payment and the real price when buying the house that year. With the above information, you can give reasons for bargaining as appropriate. When bargaining, we should expose the shortcomings of the old house, such as poor environment and aging equipment, so as to force the seller to reduce the price. For old houses that can't be sold for a long time, tell the owners that the selling price is too high, which will hurt their self-confidence. If you know the seller's last necessary date, you can use delaying tactics, while bargaining, while delaying time, and when the necessary date approaches, take advantage of the seller's eagerness to sell and wait for an opportunity to bargain. You can also let acquaintances come forward through friendship and find out the bottom price standard acceptable to the seller. In order to keep yourself in an active position, you should listen more and talk less when bargaining, especially don't ask for money easily, and stick to the principle of not asking for money until the last minute. In addition, in order to alleviate the seller's defensive psychology, it is best to tell the seller frankly when bargaining, and the purpose of buying a house is for personal use, not for others, so as to avoid the seller deliberately not giving the price for fear that the real estate agent will intervene in profit. Second-hand housing security transactions need four steps. The first stage of psychological preparation is aimed at the current irregular real estate intermediary market. Do you want to make a deal yourself or find a qualified and reputable real estate agency? If you find your own customers, you must first have leisure time; Second, you should have more professional real estate and legal knowledge; Third, we should have a good attitude and patience. Because the process of bargaining may be long and difficult. Why don't you try the agency? But when looking for an intermediary company, we should pay attention to whether it is qualified, reputable and standardized. You can call to see the quotation and the company's service attitude. You can also visit the company in person, or ask the sellers around you about the evaluation of the intermediary company. Finally, you can choose a company agent. How much do you want to sell? This is the owner's greatest concern. How to determine the house price, you should make an evaluation of your own property. The second stage of market research is to see whether the area where your real estate is located, the surrounding environment (including culture, sports and hospitals), the living facilities are perfect and the road traffic conditions are good. The age when the house was built, the living environment, the structure, orientation and floor of the house are all factors that affect the house price. Owners should know the advantages and disadvantages of their own houses in order to achieve the ideal expected value. In the third stage of the house transaction, the seller hopes to sell his house as soon as possible. Therefore, many companies are often found, and each company takes customers to see the house. In the meantime, there are salesmen of various companies, buyers who want to get rid of the intermediary, and many lawless people with ulterior motives. The landlord is accompanying the house every day, bargaining, and constantly calling, and his spirit is highly nervous. It is suggested that the seller first inspect the company's reputation, sign an agency agreement with the intermediary company, and then the intermediary company will send someone to take charge of it, recommend the house to the customer in a targeted manner, organize the house inspection, find the buyer as soon as possible, and help with the relevant procedures of transfer, saving the seller a lot of time and energy, which is safe, reliable and fast. In the fourth stage, under normal circumstances, you should get all the house payment on the day when you hand over the house and handle the property registration and transfer. If the house cannot be delivered on time, part of the house payment will be withheld according to the situation and paid when the house is delivered. The payment time is clearly stipulated in the contract. Many sellers may want to sell their houses and get the house payment, and the rest has nothing to do with me. As we all know, if the buyer deliberately fails to pay the heating fee and property management fee and sign the relevant contract with the other party, then the charging department will often look for the original owner, especially the original property unit. If this is not good, it will affect your reputation. If you find an intermediary company, you will save these troubles. Buying a second-hand house mainly focuses on the examination of the seller's property right certificate, whether the property right is clear, negotiating the payment method and handling the property right transfer. In practice, if you buy it in full, it will take a short time to complete the whole procedure. If you make a mortgage loan, it may take 3-6 months to complete. At present, second-hand housing owners have to pay personal income tax when selling their properties, and finally negotiate the total price before buying to avoid transferring the tax to the buyer. (Source: Sunco Real Estate Network) 1. Verify the identity of the seller. If it is an individual, look at his ID card; If it is a unit, go to the industrial and commercial bureau to see its file; If the seller has an agent, see if he has a notarized power of attorney. 2. Go to the Housing Authority to check the seller's real estate license. See if there is a * * * owner in the house. If the house is owned by more than one person, the seller shall provide the identity documents of all the owners and written documents agreeing to sell the house; If the husband and wife have property, whether to obtain the written consent of the seller's spouse; If the house has been leased, the seller shall provide the written opinion of the lessee agreeing to sell it; If the house has been mortgaged, the seller must provide a written document that the mortgagee agrees to sell the house. 3. If you buy a house through a housing agency, buyers should choose a formal agency with a certain degree of credibility. If necessary, he can consult the "two certificates" that an intermediary agency should have, one is the business license issued by the industrial and commercial department, and the other is the intermediary agency qualification certificate issued by the Housing and Land Administration Bureau. 4. Check carefully whether the name in the seller's ID card or industrial and commercial file is consistent with the owner of the house on the real estate license. In principle, there can't be a word wrong. 5. If you buy public houses, you need to know whether the purchased public houses are cost prices or standard prices, and the public houses purchased at standard prices must make up the cost at the time of transfer. Because the original unit of public housing generally reserves the preemptive right to public housing, the seller shall be required to provide a written opinion that the unit waives the preemptive right; In addition, the public houses of troops, hospitals and schools, due to their particularity, may not be sold without the consent of the unit. 6. If the purchased house is purchased public housing or affordable housing, the seller shall also provide the approval letter from the government department for its listing transaction. 7. If you know that the house you want to buy belongs to the following situations, then you must never buy it: the house that has been included in the demolition notice or the house that has been requisitioned by the state; Houses sealed up by people's courts or administrative organs according to law; Houses built illegally or illegally; Houses with disputed property rights. 8, housing quality and other supporting facilities review. In this link, in addition to a more intuitive understanding of the room type, structure, materials, but also to further understand the details of power supply, water quality, water pressure, gas, heating, pipeline direction and so on. Understand the service items and charging standards provided by the property company. 9. Key commitments should be embodied in the house sales contract. When the transaction price declared by both parties to the real estate management department is obviously lower than the market price, or when the purchased house is mortgaged, the purchased house should be evaluated; In the process of signing the contract, it should be noted that any key agreement on the transaction or any promise of the seller should be reflected in the contract and cannot be replaced by oral agreement, because once a dispute occurs, the oral agreement cannot be proved. The essential clauses of the contract mainly include: housing area and ancillary facilities, price and payment method, land use period, housing delivery period, liability for breach of contract, etc. If you choose the payment method of mortgage loan, you must go through the loan formalities according to the regulations. Legal article entry: Lawyer Xie is ok, you can try.