Timeline for Purchasing Property from the Secondary Market (Subsale):
1. Loan Eligibility: Verify your loan eligibility.
2. House Search: Look for your ideal house.
3. Booking: Sign the booking form and pay a booking fee (usually 3% of the purchase price) to the agent.
4. Lawyer Appointment: Hire a lawyer for the preparation and signing of the Sale and Purchase Agreement (SPA).
5. Loan Application: Apply for a housing loan.
6. Approval & Offer: Sign the bank's letter of offer once your loan is approved.
7. Loan Documentation: Appoint a lawyer to handle the loan documents.
8. Sign Documents: Sign the SPA and loan documents.
9. Final Payment: Pay the remaining deposit (10% down payment minus the booking fee) and cover additional charges such as legal fees, stamp duty for the Memorandum of Transfer (MOT), and any differential sum.
10. Title Transfer: Your lawyers will handle the registration of the land title transfer.
11. Loan Disbursement: The bank fully disburses the loan to the seller's lawyer once the title is transferred.
12. House Possession: Take possession of your new house.
Note: The above timeline applies if (i) the house is not mortgaged to any third party (e.g., bank) by the seller and (ii) the title for the house has been issued and registered under the seller's name.
购买房产的时间表：
从二级市场购买（转售）：
步骤 1：检查您的贷款资格。
步骤 2：寻找合适的房子。
步骤 3：签署预订表格并向代理人支付预订费（通常为购买价格的 3%）。
步骤 4：任命律师处理 SPA 的准备和签署。
步骤 5：申请住房贷款。
步骤 6：贷款申请获批后，签署银行的要约函。
步骤 7：任命律师处理贷款文件。
步骤 8：签署 SPA 和贷款文件。
步骤 9：支付余额押金（10% 首付减去先前支付的预订费）和其他费用，例如 SPA 和贷款文件的法律费用、MOT 的估计印花税和差额（如果有）
步骤 10：律师应采取必要措施登记土地所有权的转让。
步骤 11：所有权转移后，银行将贷款全额发放给卖方律师作为利益相关者。
步骤 12：接收房屋。
* 上述时间表适用于以下情况：
(i) 卖方未向任何第三方（例如：
银行）收取房屋费用；
(ii) 房屋所有权已签发并
在卖方名下正式登记。
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