How to handle the loan procedures?
1. Buyers should screen out houses with lots, prices, apartment types and floors that meet their needs according to their own needs. Then by considering the strength of developers, community facilities, property qualifications and other factors, determine the final housing.
At this time, the buyer should pay attention to whether to pay the deposit or the deposit, in which the deposit is legally binding. If the buyer defaults, the deposit can't be recovered. If the developer defaults, it needs to double the deposit. The deposit is not expressly stipulated in the law, which generally means to pay a certain amount of money in advance without compensation for breach of contract.
3. The purchase contract is an important proof of buying a house to protect rights. Therefore, when signing a house purchase contract, buyers should pay attention to whether there are blank clauses in the contract, whether the obligations and rights in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, whether the delivery date and standards are clear, and whether there is a monopoly property management right.
4. When applying for housing loan, buyers should choose the appropriate loan method according to their actual situation. Most buyers still have to buy a house through loans. There are two kinds of loans: provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.
5. Buyers can invite specialized house inspectors to inspect houses from top to bottom and from inside to outside according to relevant industry standards, including outdoor venues, roofs, basements, floors, attics, water and electricity facilities, start heaters, air conditioners and other equipment, and finally submit a written report to prospective owners.