快收藏！购买二手房需要注意的问题
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众所周知，阜阳房价一直居高不下，市民苦于购房久已，在这种情况下，二手房相对便宜，更受市民喜爱，但是，购买二手房需要注意的问题，你知道吗？
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<span style="font-size: 19px;"><strong>买二手房应该注意的风险</strong></span>
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<strong style="background: none; border: 0px currentColor; border-image: none; font-family: 黑体, SimHei; vertical-align: baseline; caret-color: red;">关于业主产权问题</strong><br>
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<span style="font-size: 14px;"> <span style="font-size: 15px;">大家在签合同的时候，要看看产权证原件、契税发票、国土证（如果不动产权证没有办理的，不影响过户）、维修资金发票。如果原件在银行抵押的，大家一定要看一下复印件（建设银行贷款的，产权证由业主本人持有），另外，还可要求原业主到不动产登记中心打房屋产权证情况表，确保产权清晰，没有冻结、查封等问题。</span></span>
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<span style="font-family: 黑体, SimHei;"><strong style="background: none; margin: 0px; padding: 0px; outline: 0px; border: 0px currentColor; border-image: none; font-size: 18px; vertical-align: baseline;">关于原房东还贷问题</strong></span>
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<span style="font-size: 15px;">如果原业主在银行有贷款，这个时间还贷是有几种方式的。</span>
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<span style="font-size: 15px;"> 第一种是业主自己还贷，这种情况最简单，也不需要办理什么手续，只要原业主预约好就行了。</span>
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<span style="font-size: 15px;"> 第二种是买方协助业主还贷，也就是拿买方的首付款还贷，这个时间一定要调查清楚原业主的产权情况、征信等问题，另外还要要求原业主办理还贷相关的公证。保证所付资金安全，如果是委托中介公司办理的话，一般正规的中介公司都会按要求办理相关手续，并要求业主配合。</span>
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<span style="font-size: 15px;"> 第三种情况就是当业主没有钱，买方首付款也不购的时候，这个时候可以找担保公司垫资还贷（注意：中介公司是没有义务和权利帮业主还贷的，中介公司不是担保公司），但是要出一定的手续费。</span>
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<span style="font-family: 黑体, SimHei;"><strong style="background: none; margin: 0px; padding: 0px; outline: 0px; border: 0px currentColor; border-image: none; font-size: 18px; vertical-align: baseline;">关于签定交易合同问题</strong></span>
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<span style="font-size: 15px;"> 如果是通过中介方交易的，一般都是格式合同，大家注意看清楚几点就行了：是否为产权人本人（如果是夫妻双方共有的，一定要夫妻双方一起签字）、成交总价、定金、首付、贷款金额（付款方式）、交房尾款、交房时间、违约赔偿等问题。</span>
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<span style="font-family: 黑体, SimHei;"><strong style="background: none; margin: 0px; padding: 0px; outline: 0px; border: 0px currentColor; border-image: none; font-size: 18px; vertical-align: baseline;">关于首付款的支付问题</strong></span>
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<span style="font-size: 15px;">付款的顺序是：定金（签合同时支付）-首付款（一般是在过户的时候支付）-贷款（一次性付款的情况，在过户的时候支付）-交房尾款</span>
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<span style="font-size: 15px;"> 我们一般首付款在过户的时候支付。有时候交易双方会因为到底是在过户前支付还是在过户后支付争执不下，对于交易双方都不太信任的情况下，不动产登记中心都是会有资金监管的，在过户之前办理相关的手续，将首付款打到不动产登记中心监管账户上，在过户办理完手续以后，再由资金监管的银行，一次性将贷款发放至业主预留的银行账户内。</span>
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<span style="font-size: 19px;"><strong>关于交房的问题</strong></span>
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<strong style="background: none; margin: 0px; padding: 0px; outline: 0px; border: 0px currentColor; border-image: none; font-size: 18px; vertical-align: baseline;"> <span style="font-family: 黑体, SimHei;"> 交房最大的风险在于以下几点：</span></strong>
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<span style="font-size: 15px;">1、原业主的物业费、水电费、燃气费等相关费用未结清的情况。有的业主从来没有缴过物业费的；</span>
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<span style="font-size: 15px;"> 2、签合同的时候协商好，房内物品留下来，只带走私人物品的情况，在办理完手续以后，原业主将房屋内物品搬走的；</span>
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<span style="font-size: 15px;"> 3、房屋出租，原业主提前收租的情况；</span>
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<span style="font-size: 15px;"> 此时，有经验的经纪人在签订合同的时候，就会预留交房尾款，保证在交易完成以后，交房的时候不会有任何纠纷。</span>
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<strong style="background: none; margin: 0px; padding: 0px; outline: 0px; border: 0px currentColor; border-image: none; font-size: 18px; vertical-align: baseline;"> <span style="font-family: 黑体, SimHei;">关于房屋产权过户的问题</span></strong>
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<span style="font-size: 15px;">二手房产权过户大家还要注意一点，就是买方申请银行贷款的时候，申请贷款的额度、时间、利率，都会受买方的征信、银行流水、收入情况而定。所以，在买方审批没有通过的情况下，千万不要提前过户！一定要看到买方银行审批通过的情况才可以去过户（可以要求中介拍照发过来、也可以自已到买方按揭银行查看。建议交易双方、中介方都去确认一下，不要因为贷款审批的问题，导致其他风险存在）</span>
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<span style="font-size: 15px;">信息来源于知乎网友红楼</span>
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