I met another friend who came to Jinan. Me too. Let me give you some advice. Pay attention to many things when buying a second-hand house. \x0d\ Judging from your question, you know very little about it. You should read more information, especially real estate information, rather than loan procedures. I don't know how much money you have, whether you want to run a commercial loan or a provident fund, and how much down payment you are going to make. Have you left enough money for the decoration? Or live first? After all, the holidays are rising too fast now. Why don't you buy a new house? The procedures of new houses are much simpler than those of second-hand houses, which can save a lot of handling fees, and now the prices of second-hand houses in Jinan (especially school districts) are not low. \x0d\ Well, I suppose you have taken a fancy to a house and want to buy a second-hand house to answer your question. \x0d\ First, how many years have you graduated? Your and your partner's accounts are at school? Why didn't you transfer to Jinan? College graduates can settle in their units, even if they are registered as collective accounts, they can also be counted as permanent accounts in Jinan. It's best to register in Jinan, so it's good to buy a house loan, otherwise you need to find a guarantor (the guarantor needs to find a relative or a good relationship, otherwise others may not be willing to give you a guarantee, which will affect the loan amount of others). Buying a house after obtaining a license will save a lot of trouble. My wife and I haven't held a ceremony to get an emergency license yet. When buying a house loan, there is a lot of trouble. First, two people * * * loans are good, but we are both registered in Jinan, so we didn't find a guarantor (if we can't find a suitable guarantor, we can only find a guarantee company and pay a guarantee fee of several thousand yuan). \x0d\ Buying a second-hand house generally requires an intermediary, otherwise the process will be more troublesome. You must have an account. Why don't you have one? There must be a household registration book, which can replace the household registration book. \x0d\ Your partner doesn't have a work unit, and it is very troublesome for him/her to get a loan, so you can only be the main lender, because you need to issue an income certificate. Is it better to get a loan before resigning or to find a new job after resigning? Both need proof of credit (that is, proof of income). \x0d\ Find an intermediary to buy a house and pay the intermediary service fee. Needless to say, you still need to apply for a loan, and then you have to pay a loan service fee of 3000 yuan, business 1800, and the combination is 4800 yuan. I will list other normal expenses \x0d\ stamp duty of 0.05% of the total house price \x0d\ deed tax of 65438+ of the total house price. If the price is above 90, it is 1.5%, but if it is above 90, you can settle down. 5 yuan \x0d\ warrant agency fee. The buyer shall pay the intermediary service fee of both parties in 500 yuan 1%, and the buyer shall pay the construction \x0d\ land transfer fee 1560× 1%. Business tax will be levied at 5.5% within two years (this preferential policy may be cancelled after two years this year), and ordinary houses will be tax-free after five years. Non-ordinary 5.5%\x0d\ Personal income tax is 20% of the difference between the contract price and the original purchase price plus reasonable expenses or 1% of the contract price within five years. In addition, there may be a public maintenance fund. If the householder doesn't transfer, it's very difficult to accumulate your provident fund in this situation, and you are more likely to get a commercial loan. Now the interest rate of commercial loans is very low, which is not a great loss. I'll list the documents I need again, and there are some explanations in brackets. See the "annual income certificate" stamped by the personnel department. \x0d\(2) Payment Certificate of Provident Fund stamped by the financial department (if it is provident fund); \x0d\(3) Original and photocopy of the household registration book (if I do it in CCB, the principal and borrower must have the original household registration book, and others can only use photocopies); \x0d\(4) Copy of ID card; \x0d\(5) Unmarried persons should provide proof of their unmarried status, which should be handled in the civil affairs department (married persons should get a marriage certificate); \x0d\(6) The Applicant's Credit Information Form provided by the intermediary mainly includes: company information, provident fund account number, personal work, loan application method, etc. \x0d\(7) Two copies of the Certificate on the Work and Income of the Loan Applicant issued by the Housing Fund Management Center of the Central State Organs provided by the intermediary (because I am working in the State Administration of Taxation); \x0d\(8) The "down payment statement" provided by the intermediary shall be signed by all buyers and sellers. \x0d\ Actually, the agent will tell you the specific procedures, which is quite troublesome. \x0d\ I paste some information that I have checked before. Please refer to \ x0d \ 1. Make sure you have all the money available and get the total. \ x0d \ 2。 To figure out the maximum amount you can borrow, you need to go to the provident fund management website to check the number of provident fund loans, and the maximum commercial loan is 25 years, so that you can have a general understanding of your down payment. \ x0d \ 3。 Because the second-hand houses generally need an intermediary, on the basis of the house payment, we have to calculate the intermediary fee (2%~3% of the total house price), the deed tax for transfer (1.5%), and if we need an intermediary to help us with the loan, we also have the loan fee (provident fund 3000, commercial loan 1800) and decoration fee (. The remaining money is the down payment of the house price, because the down payment of the second-hand party is 50%, so the down payment ×2 is the total price of the house you can buy. \ x0d \ 4。 Determine the average price of the land to be purchased, the size and structure of the house (orientation, number of apartments and building type). \ x0d \ 5。 Find a real estate agent, tell yourself the location, apartment type, structure and other needs, as well as the total house price you can pay (not to mention tens of thousands, because the total house price will go up when you really start buying a house), find more agents, ask about their agency fees, and make a comparison. \ x0d \ 6。 According to the housing provided by the intermediary, we should pay attention to the following points: \x0d\( 1) It is best to choose the house at night and after the rain. Night is a time for people to rest. At this time, you can observe whether the lights and noise outside the house affect the rest. After the rain, you can observe the roof and walls to see if there is water leakage; \x0d\(2) Be sure to live on the spot when looking at the house to prevent the intermediary from eating the difference; \x0d\(3) The household mainly provides the real estate license and ID card to verify the owner of the property and see if the house is owned by * * *, (if it is owned by others, it is necessary to know whether * * * agrees to sell the house, otherwise there will be legal disputes in the future) and the construction age of the house; \x0d\(4) Ask the householder for relevant information, such as: why sell the house, whether the house has been renovated, how much the property management fee is, how to heat it, whether the house is mortgaged, etc. If the householder is eager to sell, he must ask the reason cleverly to prevent regret after buying; \x0d\(5) Look at the supporting facilities around the house, such as restaurants, shopping malls, entertainment, transportation, banks and hospitals. It's convenient to ask in more detail whether there are nurseries, kindergartens, schools, etc. ; \x0d\(6) Go to the property office and ask about the property fee. \ x0d \ 7。 Visit several houses and shop around. Only those that basically meet the requirements can be bought. Don't make a hasty decision because of the urging of the intermediary. If it is not good, don't buy it. If it's good, let's get started. \ x0d \ 8。 When you decide to buy, you can bargain if the total house price is higher than you expected. If you know that the householder is in a hurry, on the one hand, you can show the sincerity of buying and ask for a lower price. Remember: don't exceed your ability. If you exceed it, you'd rather not buy it, because it will make your future life very embarrassing. \x0d\ When bargaining, it is recommended to talk to the intermediary about your ideas, instead of bargaining in front of the head of household, because in this case, the head of household will give some reasons, and even make you feel embarrassed, and you will not be able to cut the final price. Moreover, the places to talk about prices are generally in intermediary venues, and a group of intermediaries hold their own words. Unless you have strong willpower and amazing persuasion, it is difficult to reduce the price. Therefore, tell the intermediary directly about your price, and don't buy it if it exceeds this price. It is up to the intermediary and the head of the household to decide. Of course, if you like this house very much and the price is affordable, you can also negotiate the price directly with the owner. \ x0d \ 9。 After consultation, both parties sign the contract, and the day of signing the contract should be in the morning, so that there is enough time to carefully check the details of the contract, especially the liability for breach of contract. \x0d\ Because the contract signed now is a "stock house contract" agreed by the state, there is a loan item between them, that is to say, if the buyer cannot make provident fund loans or the loans are insufficient, he will choose two ways, one is to make commercial loans, and the other is that the buyer will cancel the contract without paying the liability for breach of contract. The second one is very beneficial to the buyer, but in most cases the seller will not agree, so this one should be carefully considered. The contract signed by \x0d\ must have the contact information of the buyer and the seller, otherwise it will be refused, and the intermediary does not want the buyer and the seller to contact each other. But once the house has problems, it will be very troublesome for buyers to find sellers. Remember: before signing the contract, the buyer is strong, and the intermediary insists on agreeing. \ x0d \ 10。 After the contract is signed, the buyer shall pay 10% of the total house price as the down payment, and may sign a supplementary agreement according to his own needs. As a buyer, the terms that may be needed are: \x0d\( 1) Property inspection shall be carried out the day before the transfer, and the transfer shall be completed the next day; \ x0d \ 1 1。 After that, the buyer will provide: \x0d\( 1) Annual Income Certificate stamped by the personnel department; \x0d\(2) Certificate of Deposit of Provident Fund stamped by the financial department; \x0d\(3) Original and photocopy of the household registration book; \x0d\(4) Copy of ID card; \x0d\(5) Unmarried persons shall provide proof of unmarried identity and handle it in the civil affairs department; \x0d\(6) The Applicant's Credit Information Form provided by the intermediary mainly includes: company information, provident fund account number, personal work, loan application method, etc. \x0d\(7) Two copies of the Certificate on the Work and Income of the Loan Applicant issued by the Housing Fund Management Center of the Central State Organs provided by the intermediary (because I am working in the State Administration of Taxation); \x0d\(8) The "down payment statement" provided by the intermediary shall be signed by all buyers and sellers. \ x0d \ 12。 During the down payment period, the intermediary will conduct a preliminary examination of the buyer's loan ability, sign a down payment agreement (that is, how much down payment to pay), the buyer's specific information (unit, contact information, loan amount, how many years and how to repay), and the income certificate stamped by the personnel department (including monthly income and monthly expenditure). \x0d\ About loans: You can check the loan calculator online to determine the repayment method you need: \x0d\( 1) Equal principal and interest: it is the same every month, which is convenient for calculation and family budget expenditure; \x0d\(2) Average capital: every month is different, and the first month is the most. Compared with equal principal and interest, you can pay less interest. If you have extra money to repay the loan in advance, this method is better. However, it is necessary to consider whether the monthly repayment amount can be repaid. \x0d\ As the provident fund loan is entrusted by an intermediary, the specific matters are not clear. \ x0d \ 13。 Buyers and sellers go to the property to handle the transfer of property fees and heating agreements. \ x0d \ 14。 The buyer pays the intermediary service fee and loan service fee, in addition to the evaluation fee. \ x0d \ 15。 The buyer, the seller and the intermediary jointly pay the land transfer fee (Land Bureau), handle the deed tax (Local Taxation Bureau), pay the deed tax (China Merchants Bank), pay the stamp duty and transfer the ownership (Construction Committee). \ x0d \ 16。 Submit the property for inspection within 5-8 working days after the transfer. If the Seller fails to pay the overdue fee, an overdue fine of four ten thousandths of the house price will be charged every day. Property delivery includes: (it is recommended to do it before the transfer, because the seller will get the house payment soon after the transfer, so the buyer is not binding on the seller), bring his own pen, paper and calculator, and it is best to bring invoices for electricity, water and gas paid by other families, so as to have a price basis. \x0d\( 1) Whether the house is damaged in a large area, whether the water and electricity are in good condition and whether the toilet is blocked; \x0d\(2) The seller shall pay the difference between the water meter reading and the latest water fee notice × the unit price indicated in the notice. The gas fee is the same as above, the electricity fee depends on the electric card index, and the buyer needs to pay the value multiplied by the unit price; \x0d\(3) Cable TV and telephone transfer are not recommended, because it is more troublesome, especially telephone; \x0d\(4) The house key needs to be replaced later. If it is recently renovated, you can also wait for the security door to be installed; \x0d\(5) At present, the payment invoices of public maintenance funds are generally delayed and unclear; \x0d\(6) Has the account been moved out? If the seller has not moved out, the buyer's account cannot be moved in \x0d\(7) Finally, it must be added: from? Month? The house expenses shall be paid by the buyer after (delivery date), and the previous expenses shall be paid by the seller. \ x0d \ 17。 The intermediary pays the loan money to the seller. \ x0d \ 18。 After that, how to establish a loan account and how to repay it? How to repay the loan in advance \x0d\ To sum up the process of buying a house, there are several things that need to be emphasized again: \x0d\( 1) Be cautious and do what you can, and buying a house is a big deal. Now the seller's price is net, that is, the buyer needs to pay not only the net value, but also the intermediary fee and guarantee fee of both parties, and then the deed tax, land transfer fee and so on. Finally, \x0d\(2) The second important thing is to find a good seller and intermediary, which is difficult to do, but if it is really done, it will get twice the result with half the effort. The so-called "heart is connected" can roughly judge a person's way of doing things from his appearance, and his character can also be seen from his manners. \ x0d \ (2. 1) When meeting with the intermediary, you can ask some questions, such as the buyer's process, loan procedures, loan types, which loan method is better to repay the loan in advance, and the fees to be paid. If he can basically answer it, it means that he is still familiar with the business. If you have to ask others, or it is inconsistent with what is written above, you should be careful. You have to worry about things in the future, because he doesn't understand, you have to keep asking, keep urging, and even be cheated. \ x0d \ (2.2) When you talk to the intermediary, you can also see whether he is confident and responsible in doing things and considering problems. The responsible intermediary will tell you the information you need to prepare and the things you need to consider in advance, instead of letting you sign the contract and saying that the loan information needs to be filled out when you arrive at the scene. Finally, don't get carried away just because he said a few good words, thinking that he is a family. Remember: the intermediary and the seller are always together, making money from the buyer. \ x0d \ (2.3) The seller pretends to be pitiful, saying that his salary is very small and his children fail to live up to expectations. Now that the child is married, he has bought a big house and can't repay the loan until the house is sold. A few words will win your sympathy. If you soften your heart, you can spend a lot of money. It is true that some of what they say is true, but remember: you are not a millionaire, you bought a house with your hard-earned money. You can't waste money just because you sympathize with others. If you say that people are too pitiful and give more, then I suggest that you donate it to Project Hope, so that you can get some honors. \ x0d \ (2.4) The seller is quite melodramatic and haggle over every ounce. After buying a house, the property was inspected and the water and electricity charges were calculated. When the seller said that the invoice paid last month was lost, he found a water bill with only the unit price of water. Fortunately, I borrowed various invoices from others before, and there should be two water charges, one is the unit price of water charges and the other is the unit price of sewage treatment fees, which should be settled later. I bought 2000 yuan of electricity at once, and now I want to transfer it to me. Because the electricity bill has increased by 0.8 points during the period, I mean to settle at the previous price. They don't agree, thinking that they earned the increased money. After several discussions, I'm too lazy to care about 10 yuan's money, so forget it. I didn't expect them to suggest that the aluminum window on the balcony was installed by themselves. If we decorate it, they will return it. Don't! \x0d\ Sign a supplementary agreement: (1) The housing-related expenses shall be paid by Party A before the handover date, and then by Party B (to prevent previous creditors from asking us for money in the future); (2) If Party B doesn't need the aluminum alloy window on the balcony when decorating (later they asked for the security door and gave it all), then inform Party B to handle it within three working days, otherwise it will be considered as giving up; (3) Party A will move out of the registered permanent residence \ x0d \ x0d \ (3) Finally, Chairman Mao said that "a gun comes out of power". Why? It is because you have goods in your hand that people listen to you. In the process of buying a house, money is the authority from the beginning, to the transfer, to the grandfather, and then to the grandson. Therefore, when you become a grandfather, you should make full use of your own strength to fight for your rights! \ x0d \ (3. 1) After seeing a satisfactory house, you always have to bargain. At this time, the intermediary will tell you: you tell the seller yourself that we can't get along. Ignore him, just say that I am satisfied with this house now, but the price is too high. Please let the house drop again and let the intermediary do these things. The so-called "talking about money hurts feelings", everyone feels uncomfortable when you sit down with the seller. Let the intermediary do uncomfortable things, take your money and you should do things for you! \ x0d \ (3.2) intentionally regressed, and asked the intermediary to provide contract samples and carefully study the research contents. If he doesn't provide it, that's fine. Now Beijing has agreed to the "Beijing Stock House Contract", which is also available online. Don't wait until the day of signing, many contents can't be read carefully, so I signed in a fog. \ x0d \ (3.3) It is required to sign a supplementary agreement, one of which is "property right inspection shall be conducted * * days before transfer, and transfer shall be conducted after inspection". Originally, the contract was for property inspection after the transfer, but from my painful lesson, it is necessary to conduct property inspection before the transfer, which has the following advantages: (1) At this time, although the money is already in the intermediary account, the seller will still take it away. (2) Power is in hand, but words are hard. The seller is eager to get the money, and will not be melodramatic about the cost of water, electricity and gas, nor will he move out of his account, nor will he ask for aluminum alloy windows, otherwise you will say: the property cannot be submitted for trial, wait a minute. At this time, sellers and intermediaries will be anxious, and I think they will be much more honest; (3) After the property is submitted for examination, the key is in your hand, so that there will be no embarrassing situation that others still live in the house after the transfer. I'm so unlucky. According to the contract, the property shall be submitted for inspection within 5-8 working days after the transfer. As a result, when people get the money, they are not in a hurry. They didn't submit it until I said that I would claim for compensation according to the liability for breach of contract without sending it for inspection. At this time, the intermediary has already collected the service fee, and the attitude is obviously different from before. From grandpa to grandson, very unpleasant! \ x0d \ (3.4) Notify the intermediary, and tell yourself what to do and what materials to prepare several days in advance. If, after you get there, he asks you to do another thing besides this, you can completely refuse it, or take it back and think it over before making a decision. Intermediaries often do this kind of thing, allowing you to make a decision in a short time. If you really do this, the decision you usually make is exactly what he wants. You can't go to this place. After considering the average price of surrounding houses, the seller initially evaluates his house and then entrusts an intermediary to do it. \x0d\ On the date of signing the contract, the seller shall bring the documents: the original project standard house ownership certificate, the original house purchase agreement, the original owner's ID card and the original owner's household registration book. If the property owner has a spouse, he must also bring the spouse's consent to sell, marriage certificate, spouse's ID card and spouse's household registration book. \x0d\ After signing the contract, you can sign a supplementary agreement according to your own needs. As the seller, you may need the following terms: \x0d\( 1) The intermediary will pay the house price paid by the buyer to the seller on the transfer day; (It is not needed in the new house stock contract, because there is a fund supervision account, which is kept by the state. I don't know how to get the house payment. It is estimated that the money should be transferred and taken with proof. ) \ x0d \ x0d \ In short, be careful when buying a house! As a brother who works hard in Jinan, let me say a few more words. Don't be too nagging. Buying a house is laborious and expensive, so I have to be careful again. Choosing a house, buying a house and getting a loan have been busy for a long time. I am really tired. I wish you a happy house as soon as possible! \x0d\ I hope it helps you.