Second hand housing down payment transfer to the trading center

1. the down payment of second-hand house is both cash and bank card transfer

   The process of second-hand house transaction is as follows:

   (1) the buyer and the seller establish information communication channels to understand the overall status and property rights of the house, and require the seller to provide legal certificates, including house ownership certificate, second-hand house transaction process certificate and other certificates

   (2) if the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procere for the sale of commercial housing), and the buyer and the seller sign the house sale contract (or house sale contract). After the buyer and the seller reach an agreement on the location, property status, transaction price, delivery time, delivery and property right handling of the house through negotiation, the two parties shall sign at least three copies of the house sales contract
   (3) the buyer and the seller jointly apply to the real estate transaction management department for examination. After the buyers and sellers apply to the real estate management department, the management department shall check the relevant certificates, examine the property rights, permit the transfer proceres for the houses that meet the listing conditions, and refuse the application in case of no or partial property rights and without the written consent of the co owners of other property rights, so as to prohibit the listing transaction
   (4) contract. The real estate transaction management department shall, according to the property right status of the transaction house and the purchase object, apply for the approval level by level according to the approval authority set by the transaction department in advance. Only after the approval, can the transaction parties go through the contract proceres. Now Beijing has cancelled the real estate sales contract in the transaction process, which is commonly known as "white contract"
   (5) pay taxes. The composition of tax and fee is complex, which depends on the nature of the transaction house. For example, the tax and fee composition of housing reform housing, dilapidated housing, affordable housing and other commercial housing is different

   (6) handle the transfer proceres of property rights. After the registration of property right change in the real estate transaction management department, the transaction materials shall be transferred to the certificate issuing department, and the buyer shall apply for a new property right certificate at the certificate issuing department with the notice of getting the house ownership certificate

   (7) for the buyer of the loan, after signing the house sales contract with the seller, the buyer and the seller jointly go to the loan bank to handle the loan proceres. The bank reviews the buyer's credit, evaluates the house to be traded by both parties, so as to determine the buyer's loan amount, and then approves the buyer's loan. After both parties complete the change of property right registration, and the buyer obtains the house ownership certificate, the buyer can apply for the loan, The bank will issue the loan in a lump sum
   (8) after the buyer gets the house ownership certificate, pays off all the house money, and the seller delivers the house and settles all the property fees, the second-hand house sales contract of both parties is completed

It is suggested to judge whether it is fraud from the following two points:

1. whether it promises high returns

2. whether there is a high head pulling rebate mode

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if there are the above two points, it can be judged that it is a Ponzi scheme, and most of the people involved will be buried