First of all, the difference between faster and existing houses.
What's the difference between an auction house and an existing house? Many users don't understand the difference between faster and existing houses. The following small series will introduce the faster and existing houses respectively. Users who don't understand, simply take a look!
1. Faster housing refers to the period from the time when the developer obtains the pre-sale permit of commercial housing to the time when he obtains the title certificate. During this period, commercial housing is collectively referred to as faster housing, and consumers should sign pre-sale contracts when purchasing commercial housing at this stage.
Under normal circumstances, auction houses have lower prices and more choices. However, because the house is paid first and then delivered, the process and result of buying a house depends on the performance of the rights and obligations stipulated in the purchase contract.
2. Xianfang refers to the commercial housing that consumers can live in at the time of purchase, that is, the commercial housing that the developer has completed the mass production of the house and proved to be for sale. After signing the commercial housing sales contract with consumers, they can immediately move in and obtain the property right certificate. Only when they have real estate license and land use certificate can they be called existing houses.
3, the purchase of existing homes can be renovated immediately and then moved in directly, unlike the auction house, which needs to wait until the completion acceptance. For users who don't have a house at present, they can save the rent from the purchase of faster houses to the final occupancy.
4. there is a certain discount on the price of buying an auction house. The reason why developers are willing to sell faster is to raise funds as soon as possible. Therefore, when selling faster houses, real estate developers can often give certain discounts on prices. Generally speaking, buying an auction house can be cheaper than buying an existing house 10% or more.
5. Advantages of faster speed:
(1) When the house was auctioned, the sales work had just begun, and all the houses that the developers could provide were available, so the buyers had more choices.
(2) In order to get it back in time, the developer will give the auction house a big discount. So when buying a house, you can often get a lot of discounts.
(3) The quality of the project of purchasing faster houses can be seen, and you can supervise and make comments at any time.
6. Disadvantages of faster delivery:
(1) When you buy it, you can only see the renderings of the auction house, but you can't see the actual effect.
(2) The actual drawings provided by the developer may have a certain gap with the actual houses.
(3) We often hear about and see uncompleted residential flats. In fact, developers are at risk of project shutdown during the construction process. This is also the risk that consumers need to face when buying faster houses.
(4) It is difficult to predict the market situation and price fluctuation. In recent years, house prices are basically rising, but if you buy a house in a third-and fourth-tier city, the market situation is more difficult to predict.
7. Advantages of existing houses:
(1) On-the-spot house inspection can help you understand the details of the house area more directly, rather than just looking at a drawing.
(2) The house price was basically stable during this period.
(3) There is no need to wait for a long time to hand over the house. Buying an existing house will soon get the house.
8. Disadvantages of existing houses:
(1) There may be less room for choosing floors and room types when buying existing homes.
(2) The purchase price of existing homes will be slightly higher, and the preferential margin will be relatively small.
(3) Existing houses are built, so it is difficult to see concealed works.
Second, when will the auction start to repay the loan?
When will the mortgage be repaid? Many users don't know when the loan will be repaid by auction. The following small series will introduce when the auction will start to repay the loan. Users who don't understand, simply take a look!
1. Generally, the subscription fee shall be paid first, and the pre-purchase contract shall be signed at the opening. When signing the pre-purchase contract, you should pay a deposit. After paying the down payment, you have one to two weeks to prepare the down payment, and then prepare the mortgage information for the bank's approval.
After the bank allocates funds and goes through the formalities, the monthly payment will start next month. Therefore, after the bank loan is approved, the repayment will begin. The repayment time is not decided by the developer, but by the bank.
2. Employees who purchase houses can calculate the loanable amount and repayment period by selling houses or consulting the loan undertaking bank or housing provident fund for loan management.
Get the loan application approval form and the applicant's environmental observation form, fill them in honestly, and then apply for a loan. At the same time, submit relevant materials, prepare copies of materials, and bring the originals together for inspection.
3. After the borrower submits the loan request, he can go to the handling branch to check whether it has been approved within fifteen working days.
After receiving the notice from the handling personnel, the approved loan applicant will sign the loan treaty and other relevant treaties at the designated place at the designated time.
4. Then the lender handles the house purchase transaction and mortgage registration procedures.
5. The loan that has gone through all the formalities shall be paid to the borrower by the loan undertaking bank according to the provisions of the loan contract, and the loan shall be directly transferred to the account designated by the seller of the property purchased by the borrower. After the transfer, the user began to repay the loan.
The above is about the difference between faster and existing houses, and when faster will start to repay the loan. I hope it will help everyone!