What should I pay attention to when buying a house in Weihai? Especially the second-hand houses and the top account rooms. How to handle the loan?

1. Verify the identity of the seller. If it is an individual, look at his ID card; If it is a unit, go to the industrial and commercial bureau to see its file; If the seller has an agent, see if he has a notarized power of attorney.

2. Go to the Housing Authority to check the seller's real estate license. See if there is a * * * owner in the house. If the house is owned by more than one person, the seller shall provide the identity documents of all the owners and written documents agreeing to sell the house; If the husband and wife have property, whether to obtain the written consent of the seller's spouse; If the house has been leased, the seller shall provide the written opinion of the lessee agreeing to sell it; If the house has been mortgaged, the seller must provide a written document that the mortgagee agrees to sell the house.

3. If you buy a house through a housing agency, buyers should choose a formal agency with a certain degree of credibility. If necessary, he can consult the "two certificates" that an intermediary agency should have, one is the business license issued by the industrial and commercial department, and the other is the intermediary agency qualification certificate issued by the Housing and Land Administration Bureau.

4. Check carefully whether the name in the seller's ID card or industrial and commercial file is consistent with the owner of the house on the real estate license. In principle, there can't be a word wrong.

5. If you buy public houses, you need to know whether the purchased public houses are cost prices or standard prices, and the public houses purchased at standard prices must make up the cost at the time of transfer. Because the original unit of public housing generally reserves the preemptive right to public housing, the seller shall be required to provide a written opinion that the unit waives the preemptive right; In addition, the public houses of troops, hospitals and schools, due to their particularity, may not be sold without the consent of the unit.

6. If the purchased house is purchased public housing or affordable housing, the seller shall also provide the approval letter from the government department for its listing transaction.

7. If you know that the house you want to buy belongs to the following situations, then you must never buy it: the house that has been included in the demolition notice or the house that has been requisitioned by the state; Houses sealed up by people's courts or administrative organs according to law; Houses built illegally or illegally; Houses with disputed property rights.

8, housing quality and other supporting facilities review. In this link, in addition to a more intuitive understanding of the room type, structure, materials, but also to further understand the details of power supply, water quality, water pressure, gas, heating, pipeline direction and so on. Understand the service items and charging standards provided by the property company.

9. Key commitments should be embodied in the house sales contract. When the transaction price declared by both parties to the real estate management department is obviously lower than the market price, or when the purchased house is mortgaged, the purchased house should be evaluated; In the process of signing the contract, it should be noted that any key agreement on the transaction or any promise of the seller should be reflected in the contract and cannot be replaced by oral agreement, because once a dispute occurs, the oral agreement cannot be proved. The essential clauses of the contract mainly include: housing area and ancillary facilities, price and payment method, land use period, housing delivery period, liability for breach of contract, etc. If you choose the payment method of mortgage loan, you must go through the loan formalities according to the regulations.