When I bought a house before, I had to go through a lot of trouble in order to understand the house purchase contract. I have a full 40-page book and all kinds of boring excuses, but I don’t dare read it. I had no choice but to grit my teeth and persevere. Since all house purchase contracts are templates formulated by the government and are very similar, I will show you my house purchase contract today to help you draw the key points and save you a lot of trouble in the future.

Next, at the bottom of the contract is the "seller", which is the seller, and the "buyer", which is you who bought the house. It’s still important to note that the house becomes someone else’s before you pay for it.

It is stated at the bottom that this contract was formulated by the State Housing Authority and the State Administration for Industry and Commerce. It is a standard template and is the same across the country.

Open the contract. The first page is the table of contents. Skip it. You want to read the full text anyway. The table of contents is your key reference in the future.

The second page is the explanation. The content is to introduce you to the basic situation of the contract, precautions for signing the contract and the importance of the contract. It's all dry stuff. Everyone is not a professional and lacks relevant knowledge. I suggest you take a closer look, cram it in for the time being and recharge your batteries, and don’t jump.

The third page is an explanation of professional terms, which is very boring, but you should study it seriously! Again, everyone is not a professional. People say "force majeure" and "house floor area". Are you sure you really understand the true meaning? How can you understand the contract if you don’t understand it?

After the knowledge fee is paid, there is the text of the contract starting from the fourth page, ***Chapter 10, page 29. Let's read it chapter by chapter.

Chapter 1: Parties to the Contract

As the name suggests, it introduces the basic situation of the buyer and seller.

The first is the seller’s information, including company name, address, postal code, business license registration number, enterprise qualification certificate number, legal person, and phone number. Be sure to look carefully to avoid a situation like this. You originally set your sights on property B in house A, but only to find out you got property D in house C after paying for it. This is not funny at all.

The following are authorized agents. I don’t have this person here, so they are all x.

The following is the buyer's situation, focusing on the name and ID number. Please check carefully and do not buy a house for others.

Chapter 2 Basic Information of Commercial Housing

First of all, it is the basis for project construction and pre-sale. As the name suggests, without these things, the deal simply wouldn't work.

This includes the location of the house, the state-owned land use certificate, the construction project planning license, the construction project construction license, and the commercial housing pre-sale license number. (Huh? I searched carefully and searched, but there was no construction The land use planning permit is very strange. Does anyone know why? , then your holding time will shrink accordingly, everyone should pay attention).

Then there is the basic situation of commercial housing, that is, the specific data of your house, including:

Use (commercial? residential?), structure, floor, room number (note 3360) here There is a saying that "the change of the room number will not affect the specific location of the commercial housing." What does this mean? There is a floor plan in the contract, which shall prevail. If the developer arranges No. 1, 2, 3, and 4 from east to west when buying a house, and you buy x01, it will be changed from west to east when handing over the house. Your east residence is still the east residence, and the number of rooms is still the same. From east to west, your house is Mortgage. This is particularly important.

Then there is the developer’s promise, which translates to: the developer promises that the house belongs to him and he has the right to sell it; the house has not been sold to anyone except you; There are no restrictions on the sale of the house.

The last thing is the division of responsibilities. Translated, if the actual condition of the house is different from what is stated in the contract, you have the right to check out. The check-out process is to notify the seller in writing, and then the seller will. The loan interest paid will be refunded

There is nothing to say, mainly the unit price and total price of the house and the payment method.

How much is the down payment? Kind of loan?

Check it carefully.

The key is the responsibility for late payment (in other words, do I have this chance?).

Let me give you an example:

The total price of the house is 1 million, and you buy it with a mortgage. The contract states that the down payment is 500,000, the loan is 500,000, and the payment term is specified. When the payment period comes, you don't pay anything. If it is one day late, you have to pay 1% of the amount due as liquidated damages, which is 5 yuan. Two days overdue will result in a penalty of 10 yuan until 90 days. If you pay 100,000 yuan and the difference is 400,000 yuan, then the penalty will be 4 yuan for one day overdue, 8 yuan for two days overdue, until 90 days.

Once the 90 days have passed and your money has not been paid in full, the developer has two options. (Note: It means that the developer has two choices, not that you have two choices. At this time, you have to listen to the developer.) 3360

1. If the contract is not terminated, the developer cannot If you sell the house to someone else, you will continue to pay liquidated damages according to the above standards every day;

2. Terminate the contract (you cannot refuse), the developer can sell the house to others, and the developer will refund you the entire house payment. You will also have to pay a second liquidated penalty (not counting the previous house payment), and you will also have to pay one thousandth of the difference in the house payment due as liquidated damages.

Give me a chestnut house with a total price of 1 million and a mortgage to buy the house. The contract states that the down payment is 500,000, the loan is 500,000, and the payment term is specified. If the payment period exceeds 160 days and you haven’t paid a dollar, then you need to pay: 1,605,500 yuan as liquidated damages.

I don’t have much money, but I just think it’s weird for a weasel to pay New Year greetings to a chicken.

Chapter 4 Commercial Housing Delivery Conditions and Procedures

The key point here is that serious developers will guarantee 3360 here.

The documents (three copies, one certificate and one form) are complete when handing over the house, indicating that the house has passed the inspection and acceptance by a formal agency.

"This commercial house has been registered for the first time", which means that the house can apply for a real estate certificate.

Remember to turn to this page when accepting. Same rights.

Water, electricity, gas, and network infrastructure are complete (in other words, this is a necessary condition! How can people live without these things today? You say, how can they live?)

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The next thing is the key point, the delivery time, and the responsibility for late delivery that everyone is very interested in.

Unfinished property is a major concern for those who buy off-plan properties. Expiration will also bring a lot of inconvenience. In order to ensure the interests of home buyers, the purchase contract gives us a reassurance. What makes me disappointed is that , this reassurance pill is not sweet at all, and the effect is not good.

The translation is roughly like this:

You buy a house for a total price of 1 million. When the delivery time comes, the developer delays the delivery for one day and needs to pay you one hundred thousandth Liquidated damages, that is, 10 yuan. If you postpone it for two days, 20 yuan? Until 90 days, if the house is still not delivered, you have two options: 1. Do not terminate the contract, but still enjoy the treatment of 10 yuan a day; 2. Cancel According to the contract, the developer will refund all the down payment and loan interest paid.

Haha, I can afford a house worth 1 million yuan. Do I need the 10 yuan in liquidated damages for that day? Who are you looking down on!

Wait a minute, does this liquidated damages standard look familiar?

Yes, there is a sentence in the contract that "the liquidated damages ratio shall not be lower than the ratio in Article 8, Item 1."

Translation: The ratio of liquidated damages to me (the developer) for late delivery of the house is the same as the penalty for late payment to you (the house buyer). How about it? Isn't that fair?

Haha, don’t we all pay the down payment when signing the contract and then file the contract? Does anyone sign the contract first, then file it, and then pay the money? Do we have any chance of overdue? We even paid a deposit before signing the contract! hehe.

Ten yuan a day, and only more than 3,000 yuan a year overdue. What kind of human suffering is this? Is it so painful to buy an off-plan house? Is there still any guarantee?

What? You said you can terminate the contract and ask for a refund?

What about my waiting time? What about the locked up funds? What about the lives that were affected?

Hey! I'm so angry that I don't want to continue writing, and there aren't many important points later, oh! By the way, there is a house split plan at the back, which is the floor plan of the whole floor of the building. According to the principle of up, north, south, left, west, right and east, the red line is your house. As mentioned before, the room number may be Change, this is the final basis.

Good night! Goodbye!

Another night of being unable to sleep due to anxiety! Related questions and answers: