Only the buyer and the seller handle the transfer without intermediary. The process is as follows:
1. Negotiate and sign the sales contract.
The negotiation and signing of the sales contract is the most important link in the process of buying a house. Both buyers and sellers must put their rights and obligations into words, especially the key terms such as the area, payment and property status of the house.
2. apply for a loan.
Second-hand housing can handle commercial loans. According to their own financial resources and various conditions of the purchased house, the amount and duration of the loan are comprehensively considered. The intermediary company shall assist in handling the loan formalities according to the relevant regulations of the bank.
3. handle the transfer of property rights.
The original seller&;s name should be changed to the new buyer&;s name. It is necessary to prepare relevant materials under the guidance of the intermediary company, and then the warrant personnel will assist in the formalities of property right transfer.
4. Check in.
When checking in, you must pay the water, electricity, gas, cable TV, heating and property fees of the purchased house, and both the buyer and the seller and the intermediary company should sign the property delivery form for file.
Extended data
Mr. Huang used to look for a house in Haizhu District through an intermediary. After a period of time, he took a fancy to a house located in the west plate of Xingang. However, Mr. Huang, who is careful and careful, wanted to save the agency fee, so he chose to &”;jump the bill&”; after seeing the house and found the owner to make a deal himself.
After negotiating the price with the owner and signing the purchase agreement, he gave nearly 50% down payment out of trust, amounting to over one million yuan. However, he soon found that the property sold by the owner turned out to be a sealed asset, and wanted to get back the funds, but the owner was unwilling to return the down payment. He had no choice but to go to court and recover the losses.
Recently, it was also reported by the media that the buyer took a fancy to a property located in Tianhe District through an intermediary company, sign《房屋买卖合同》 with th《中介服务合同》 with the intermediary company, stipulating that the intermediary service fee was 50,000 yuan. After the buyer canceled the transaction and paid the owner a deposit of 30,000 yuan, he was told by the intermediary that he needed to pay the intermediary fee.
In the report, Guangzhou Real Estate Agency Association said that the intermediary company has facilitated the signing of contracts between buyers and sellers, so it has the right to collect intermediary service fees from buyers according to th《中介服务合同》.
&”;The relationship between buyers and sellers and intermediaries is very complicated, and they love and hate the latter. Buyers hope that they can serve themselves well, find bamboo shoots, negotiate prices, and suspect that they are&; pumping water&; during the period, or have other small moves. &”; Mr. Sun said frankly,
This is the reason why he bypasses the intermediary in every transaction, but he usually finds a familiar intermediary to help him handle the transfer after finding a suitable property, and the cost is only a few thousand yuan, which is much more &”;cost-effective&”; than giving the intermediary fee. However, there are also some inexperienced buyers who choose to &”;jump orders&”; to conduct private transactions with the owners, resulting in losses, &”;money and housing are empty.&”;
Jiang Qilin, regional director of second-hand e-commerce of SouFun.com, believes that the amount involved in real estate sales is huge, and the risks of private transactions between buyers and sellers are great. In addition to &”;jumping orders&”;, he also encountered another situation. The buyer and the seller were friends and traded privately.Later, because of the falling out of money, I finally had to find an intermediary to mediate.
For example, because an owner owed the buyer 2 million yuan, he had to sell a set of assets located in the Pearl River Dijingyuan to pay off debts. After receiving the down payment, the owner used the money to turn over the business. Later, he found that the property with a market price of more than 4 million yuan had suffered a big loss by selling it for 3 million yuan, so he hoped to tear up the contract. However, after mediation, the property was eventually resold at a reasonable price of 4.05 million yuan.
The industry believes that there are many links involved in the transaction process of second-hand houses. Many buyers and sellers are not professionals, and it is often impossible to predict the risks: &”;The first risk is that the tax calculation of real estate is unclear, which may make buyers feel shocked at the end of the transaction. Out of budget,
The second risk is that some buyers may trust the owner and give the owner a deposit or down payment that exceeds the reasonable upper limit in the early stage of the transaction process. Once there is an accident in the transaction process, such as incomplete information, the owner&;s property is problematic, the buyer may also be unable to get back the funds invested in the previous period.
The third is the risk when the building is handed over. For example, if the original tenant does not move out, or the property is seized, the buyer may not be able to handle these unexpected situations without professional knowledge. &”;
The insiders believe that it is best to find professionals to track and control second-hand housing transactions, which can greatly reduce the risks encountered by buyers and sellers.
However, for buyers who have doubts about intermediary banks or specific intermediaries, it is best to inquire about the situation from multiple channels, understand the existing risks, and clearly understand the relevant laws and regulations on the sale of second-hand real estate and second-hand real estate intermediaries to avoid being cheated by some irregular intermediary banks or individuals.
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