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个人房屋交易流程是怎样的？

个人房屋交易流程是怎样的？

浏览：39次 | 提问时间： 08-10 03:56

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泪水是最美的结局 08-10 03:56

一、*双方签订《房屋*合同》，在合同中约定买方通过二手房贷款的方式支付房款，并约定首付款及贷款的比例。在这个环节，买方一般应在现场看房的同时，查验卖方的《房屋产权证》、水电气费记录等凭证;有时卖方会要求买方缴纳一定的定金。　　二、*双方到房屋所在区县的房地产交易市场现场打印《房产*协议》(协议上应明确注明房屋价款的支付方式，如“40万元作为首付款;其余资金申请贷款“等)，并且同时由*双方到当地房管局现场签订《私产房屋代收代付协议》，用以明确交易资金代收代付的委托关系。　　三、由于二手房的特殊性，买方需要先找评估公司对所购房产进行评估。银行会根据房屋交易价和评估价中较低者作为放贷的依据。需注意的是，有些银行会只接受指定评估公司的评估报告，而有些银行则没有要求，因此，购房者在评估前要先咨询贷款银行。　　四、为了保证贷款的安全性，一般银行会要求买方提供担保。担保人可以是有经济能力的个人，也可以是专业的担保公司。需注意的是，目前有些银行已经推出了无担保的二手房贷款，因此，购房者在办理房贷前要明确所在银行对担保费的收取。　　五、买方持《私产房屋代收代付协议》到贷款银行交存首付款，并取得交存首付款的证明，同时可向该银行申请二手房贷款并提交全部贷款申请*。

伊人回眸泪倾城゜ 08-10 04:04

规范的二手房交易流程：第一步、*双方同中介方签定三方合约。第二步、1、卖方向银行申请提前还贷或申请转按 2、买方向银行申请贷款。第三步、完成买方贷款批准手续和卖方还清贷款手续后，中介方安排双方到房管所过户。第四步、买方“房产证”和“他项权利证”出来后，银行放款给卖方。第五步、中介方约*双方到售楼部办理碧桂园内部转名手续，买方取得新业主卡。以上完成了整个交易流程。中间会有很多细节的东西，需要*双方注意。

难寻 08-10 04:13

你当地要是有资金监管的话就好*作了先去房产交易登记中心网签，然后房管局出示网签合同，买方把钱存到银行指定账户，银行出示存款凭条，然后交税权属转移等新房产证下来产权人持房产证和本人* 去网签窗口换划款凭条然后银行放款！

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