2. No bad credit record and good credit.
3. There are legal and valid commercial housing sales contracts registered by relevant departments, and there are self-raised funds not less than 20% of the total purchase price.
4. Agree to use the purchased house as collateral, and agree to apply for housing purchase guarantee.
5. Other conditions required by the lending institution.
What should I pay attention to when buying an auction house?
1, check the related files carefully.
Property buyers need to check whether the developer's development and operation qualifications are legal; Check whether the development and construction procedures are legal. Development projects must obtain state-owned land use right certificates, construction land planning permits, construction project planning permits and construction permits.
Check whether the developer has obtained the Commercial Housing Sales (Pre-sale) Permit and verify whether the house he wants to buy is within the house number recorded in the Commercial Housing Sales (Pre-sale) Permit.
2. Pay attention to the force majeure clauses in the house purchase contract.
According to the provisions of the contract law, if the contract cannot be performed or causes damage to others due to force majeure, it will not bear civil liability. Therefore, once the delivery is postponed, developers often shirk their responsibilities on the grounds of "force majeure".
In order to prevent this loss, buyers must attach great importance to the exemption clauses related to force majeure when signing the contract. Generally speaking, the model text of the purchase contract will stipulate that force majeure is an exemption clause for delaying the delivery of the house.
3. Agree on the time for the developer to handle the real estate license.
In the house purchase disputes, many disputes are caused by the issue of the issuance period of the real estate license. Under normal circumstances, developers often explain why the progress of issuing real estate licenses is always delayed by relevant departments.
However, according to the "Measures for the Administration of Urban Housing Ownership Registration", if the registration authority has clear ownership and complete information on the source of property rights, it shall, within two months from the date of accepting the registration, grant the registration and issue the housing property certificate.