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二手房交易避坑自查清单(客户篇)

  • 2026-02-09 06:08:29
二手房交易避坑自查清单(客户篇)

01

前期准备：房源核验
不动产权证真实性 核对产权证编号、产权人姓名、房屋地址、面积等信息与实际一致。
房屋权属状态 到不动产登记中心查档，确认无抵押、查封、轮候查封；若有抵押，明确解押时间和方式，告诉你，现场查询的支付宝产调也有可能是假的。
产权共有人情况 核实是否存在隐性共有人（如夫妻共有），要求所有共有人出具书面同意出售证明，如果是离异状态，可以查询其支付宝婚姻状态，确保无问题。
户口迁移约定 确认原房主户口是否在房屋内，约定户口迁出时间、违约责任，最好写入合同。一定写入合同！
房屋质量隐患 实地检查墙体、地面是否开裂，厨卫防水是否渗漏，水电暖管线是否正常，门窗、电梯运行情况，买二手房之前，建议去多次感受小区情况，比如上班高峰期电梯，晚上周边噪音情况，找一个下雨天看一下排水情况，到地下车库看一下物业情况，甚至找小区遛弯居民咨询情况，相信我，这些会影响你的判断的。

02

签约阶段：合同与资金
合同条款完整性 明确成交价格、付款方式、过户时间、交房时间、税费承担方、违约责任（如逾期过户违约金比例）。
资金监管确认 房款（尤其是首付款、尾款）必须存入官方指定资金监管账户，拒绝卖家直接收款要求。
中介服务条款 确认服务费标准、服务范围，无捆绑消费（如强制保险、指定贷款机构），所有承诺写入合同。
阴阳合同风险 拒绝签订“阴阳合同”，合同成交价格与实际支付价格一致，避免税务稽查风险。
自身贷款资质预审 提前向银行提交征信报告、银行流水、收入证明，确认贷款额度、利率、审批通过率。

03

过户与交房阶段：交割核验
税费核算 按实际成交价格核算契税、个税、增值税等，保留所有缴费凭证。
欠费结清证明 要求卖家提供物业费、水电费、暖气费、燃气费等近1-2年缴费清单，确认无欠费。
预留尾款保障 预留5%-10%尾款，待户口迁出、费用结清、房屋交接完成后再支付。
房屋交接清单 清点家具家电（若卖家附赠）、门禁卡、钥匙、水电燃气卡等，记录水表、电表、燃气表读数。
本文来自网友投稿或网络内容，如有侵犯您的权益请联系我们删除，联系邮箱：wyl860211@qq.com 。

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  1. CONNECT:[ UseTime:0.000689s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000705s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000319s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000283s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000511s ]
  6. SELECT * FROM `set` [ RunTime:0.000187s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000707s ]
  8. SELECT * FROM `article` WHERE `id` = 460576 LIMIT 1 [ RunTime:0.005765s ]
  9. UPDATE `article` SET `lasttime` = 1771933839 WHERE `id` = 460576 [ RunTime:0.004189s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 66 LIMIT 1 [ RunTime:0.000265s ]
  11. SELECT * FROM `article` WHERE `id` < 460576 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000526s ]
  12. SELECT * FROM `article` WHERE `id` > 460576 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000483s ]
  13. SELECT * FROM `article` WHERE `id` < 460576 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.009417s ]
  14. SELECT * FROM `article` WHERE `id` < 460576 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.015092s ]
  15. SELECT * FROM `article` WHERE `id` < 460576 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.006026s ]
0.115358s