The house is very important to a family, and the house prices are now high, so when we buy a house, we can't buy clothes like a mobile phone. We can wear enough and use enough to exchange for a change. Therefore, on the issue of buying a house, Every family is cautious. In particular, netizens who purchase second-hand housing must pay attention to certain issues in the process of second-hand housing transactions. Then let's take a look at what items to examine before buying a house.
First, confirm the reliability of property rights
Pay attention to whether the homeowner on the title certificate is the same person as the seller; whether the area recognized by the title certificate is inconsistent with the actual area; be sure to check the original of the title certificate and check the authenticity of the title certificate with the Housing Authority.
Second, to investigate whether it is allowed to sell the house
Check whether the public housing purchased at the standard price has been paid for at the cost price or divided proportionately with the original unit; when the majority of public housing is undergoing a housing reform, the original unit retains the priority buyback right, so it is necessary to confirm whether the original unit agrees to transfer; in general, Public housing produced by military production, hospitals (hospital) production, and schools (schools) must be stamped by the original company before they can sell.
Third, to see if there is a private part of private construction
Are there any platforms or corridors occupying the roof; or whether there are small penthouses built in the house; whether the interior and exterior structures of the houses have been altered, such as changing the balcony into a bedroom or kitchen and dividing a room into two; the balcony is not Homeowners closed themselves, which involved the question of how the balcony area should be calculated.
Fourth, confirm the exact area of ​​the house
Including the building area, the use of the area and the actual area of ​​the house; property rights certificate is generally marked on the building area; the most secure way is to measure the area of ​​the house from the end of the corner to the other corner of the wall, the so-called carpet area.
V. Observing the internal structure of the house
Whether the type of accommodation is reasonable or not has the disadvantage of being particularly unsuited to living; whether there are too many pipelines or the alignment is unreasonable; whether the ceiling has traces of water seepage and whether the walls have obvious problems such as cracks or peeling.
Sixth, assessment of the housing of municipal facilities
Open the faucet to observe the water quality, water pressure; turn on the TV to see if the image is clear, how many stations can watch the program; confirm the house's power supply capacity, to avoid air conditioning in the summer can not be opened; observe the indoor and outdoor wires are Aging phenomenon; the connection of the telephone line is an ordinary telephone line or an ISDN telephone line; whether the connection of the gas has been changed to natural gas; whether the community has hot water supply, or whether the house itself has a water heater; winter heating The number of radiators is insufficient and the heating temperature is insufficient.
Seven, to understand the status of decoration
Whether the original house is decorated or not, and whether the level and extent of decoration are required, it is not necessary to completely eliminate it; understand the internal structure of the house, including the direction of the pipeline, the location of the load-bearing wall, etc., in order to redecorate.
VIII. Checking the Level of Property Management
How to collect water, electricity, coal, and heating costs? Is it collected on site or on their own? Whether the three tables are listed; Observe the brand, speed, and management of the elevator; Observe the cleanliness and layout of public corridors; What is the level of security? Look at the number and sense of responsibility of the security staff; how the community greening works and what services the property management company provides.
Nine, to understand the cost of living later
Prices for water, electricity, coal, and heating; fees for the collection of property management fees; fees for parking spaces.
Ten, trace the history of old houses
Which year is covered, how long is the period of land use; who lives, what background, what is the purpose; whether bad things have happened, whether money is owed or theft happened; whether property is owed Management company costs, as well as water, electricity, coal, heating costs.
Eleven, understand the combination of neighbors
Good neighbors will make you enjoy your life. Choose different time to see people coming and going in the community. Determine the social level of people through clothing and life rules. Visit top, bottom, left, and right neighbors to find out if they live in this place. Chat with the residents of the neighborhood committee or the communication room to understand the situation.
Twelve, calculate the price
By judging the value of the house through repeated comparisons of public housing in the market; trusting a trusted intermediary company or appraisal firm to conduct the assessment; the bank will provide a hedge assessment when providing the mortgage and the price can be regarded as the minimum value of the home's value.
Thirteen, second-hand housing mortgage conditions
18 years of age, urban and household accounts, both local and foreign; can provide stable income to prove the principal and interest; willing to sell the house as a mortgage, or to provide other eligible mortgages; the ownership of the purchased property is true and reliable. Pay the relevant fees.
XIV. Ask a lawyer
The situation of second-hand housing transactions is more complex than that of commercial housing. Therefore, it is more reliable for lawyers to provide suggestions. It is recommended that a lawyer who is as familiar with the business as possible should be fully consulted.
Fifteen, find an agency
The agency's second-hand housing information is more comprehensive than the individual, but the accuracy of the information currently needs to be verified; before giving your business to the agency, you should know: What are the services provided by the agency? Can you help apply for a second-hand house mortgage? If a problem occurs during the sale and purchase process, is the agency's obligation and ability to compensate for the loss? What is the charge for the agent's service? Is it guaranteed to buy a second-hand house?
16. Examine the reliability of the agency company
The valid business license issued by the local industry and commerce bureau, and the intermediary agency qualification certificate issued by the local housing and land administration bureau; the qualification certificate is issued by the industry management department and is more effective in ensuring the reliability of the agency.
Seventeen, keep abreast of changes in policies, procedures, and costs
We must pay attention to the news of the newspapers; consult with lawyers and intermediary agencies; the most reliable thing is to consult the relevant housing management departments and keep abreast of the latest information.
18. Whether the property rights are complete
Confirm the integrity of the property rights, whether there is any mortgage (including private mortgages), co-owners, etc. It should be noted that even in Hong Kong where the law is perfect, such disputes will arise; only those who believe in one's own eyes must be able to transfer the housing funds to the original household owner after the completion of the account.
Nineteen, be careful about the transfer of property and property rights
Do not trust the other party's creditability. It is an important issue to pay the money first, transfer the money, or transfer the money first. You may consider deciding to pay the money in a unit that the two parties trust, such as a law firm or a reputable agency. After the transfer is completed, the payment will be transferred to the seller’s account.
Twenty, to ensure the smooth transfer of property rights
It is necessary to complete the transfer formalities after the completion of the property rights by the local Housing and Land Management Bureau. Agents, lawyers, notarization guarantees, etc. are not all part of the completion of the transaction process; from the perspective of buying a house, it must be the property right after the completion of this suite is really yours, before this, the seller can destroy at any time.
21ã€Is the municipal plan affected (is it within the relocation red line)
Twenty-two, the contract is clear (liability for compensation for breach of contract)
The content of the purchase of second-hand housing before you buy a house is introduced here. I hope to help everyone. If you want to know more related information, you can pay attention to this website information.
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