At present, in the market, a large number of second-hand houses are shipped, if you are attentive, you can buy a cheaper house than a new house, but second-hand houses are more troublesome than new houses in terms of procedures and processes, and there are many traps, which must be avoided;
First, distinguish between a deposit and a deposit, the deposit has legal effect, and the deposit has no legal effect;If the seller defaults, the deposit must be doubled, and if it is a deposit, the seller only needs to return the full amount of the deposit to be exempted
Second, the purchase of second-hand housing must be subject to capital supervision, if not do capital supervision, the seller may not handle the transfer of property rights after receiving the money, the point of capital monitoring is that only after the transfer is completed, the seller can get the money.
Third, before buying a second-hand house, you need to check the property rights of the house, whether there is a mortgage, the seller's debt disputes, etc.
Fourth, when the house is delivered, the buyer and seller are required to be present, and if there are tenants, they must be present together, and they need to settle the water bill, electricity bill, gas bill, etc.;It is also necessary to discuss the details such as moving out of the furniture after the transfer.
Fifth, second-hand home loans need to calculate the loan amount according to the appraised value of the house, rather than simply subtracting the down payment from the total house price, and the appraised value of commercial loans is generally 80-90% of the transaction amount.
Sixth, if the house is bought and sold with a lease, the tenant has the right of first refusal, and if the transaction is to be carried out with a lease, the landlord must issue a statement of waiver of the right of first refusal signed by the tenant to avoid future disputes.
Seventh, in order to avoid the seller maliciously concealing the situation of the house, the buyer needs to inquire and investigate the situation of the house before purchasing, the more details the better, such as asking neighbors and the property, and agreeing in the contract that if the owner conceals the compensation in the event of a major situation.
Second-hand houses may be cheaper than new houses, and the supporting facilities are more visible, but because the transaction process is more complex and there are more procedures, the buyer needs to be more attentive and cautious.