what to pay attention to when buying a new house
1. Check the relevant documents of the developer
This is something that buyers must pay attention to. Usually, if the developer has a pre-sale permit, there will also be relevant planning permits, land use permits and so on. Therefore, it is best for property buyers to review the developer's pre-sale permit before buying a new house, and to review the original to prevent the copy from being falsified.
2. Pay attention to the contract agreement.
Buyers should sign the house sales contract according to the standard, and fill it out item by item according to the terms listed in the text. Don't sign the Purchase Agreement made by the developer at will. In addition, due to various reasons, the phenomenon of delay in delivery occurs from time to time. In order to prevent developers from making a fuss about the pre-sale contract, when signing the contract, buyers must specify the delivery date as "a certain month, a certain day" and specify what responsibilities developers should bear if they cannot deliver the house on time.
3. Make a good purchase budget
In addition to the down payment and loan-related expenses, when handing over the house, the buyers have to pay some money, such as deed tax, public maintenance fund, stamp duty, property fees and so on. In addition, there may be some small expenses. In order to avoid disputes with developers in the future, it is best to know clearly in advance and be prepared.
4. Don't believe verbal promises
In order to attract more buyers, many projects will exaggerate the advantages of the project and even make up the surrounding facilities that have not been built, which may actually violate the provisions of the advertising law. If the buyer is not sure about the authenticity of the developer's advertising content, he can ask the developer to attach the advertising content to the supplementary agreement of the contract to protect his own house purchase rights.
the process of second-hand housing fund supervision
1. the process of second-hand housing fund supervision
(1) the buyer and the seller sign a house purchase contract and put forward the demand for fund supervision;
(2) The buyer and the seller set up a supervision account in the supervision bank and signed a fund supervision agreement. After the buyer pays, the money will directly enter the supervision account;
(3) Intermediary companies handle tax payment and transfer procedures for buyers and sellers;
(4) after the buyer transfers the house to his own name, the bank transfers the money to the seller's account.
2. Supervision process of second-hand housing loan down payment funds
(1) The buyer and the seller sign a house purchase contract and put forward the demand for fund supervision;
(2) The loan bank examines the borrower's qualification and signs a loan contract;
(3) Evaluate the house price and determine the down payment amount;
(4) The buyer and the seller sign a fund supervision agreement, and the buyer pays the down payment into the bank fund supervision account;
(5) After the house is successfully transferred, the bank transfers the down payment to the seller's account;
(6) After the buyer has mortgaged the house, the housing management center will issue the certificate of other rights (the real estate registration certificate will be issued in the area where the real estate grading system is implemented), and the bank will transfer the loan to the seller's account after obtaining the certificate of other rights.