when should I pay the down payment for buying a house?
friends who have had the experience of buying a house know that buying a house and handing it over to others should be divided in batches, not at one time. Whether buying an existing house or an auction house, under normal circumstances, the down payment for buying a house can only be paid to the real estate developer after the pre-sale contract of commercial housing or the sale contract of commercial housing is signed. In fact, in the process of buying a house, this is the most basic purchase procedure. It should be noted that the real estate developer must issue a receipt for receiving the down payment, because when applying for a housing loan from the bank, the buyer must show the signed purchase contract, the down payment receipt and other relevant purchase information.
what should I pay attention to when paying the down payment?
1. Understand the information of the property
When buying a house, you must first understand the basic situation of the property. Be sure to go to the land bureau of the real estate in advance to consult the specific situation of the real estate before paying the down payment, and confirm that the real estate developer has really made a good plan before making a purchase. Avoid some real estate developers who just go through the formalities and have no plans to start construction. After all, some real estate developers have waited until the property has already opened, and things that have not yet started construction have appeared many times.
2. Confirm whether the real estate developer has five certificates
Only when the developer has five certificates can it be proved that the real estate can be sold and the procedures of the developer are complete. These five certificates are State-owned Land Use Certificate, Construction Project Planning Permit, Construction Land Planning Permit, Commercial Housing Sales (Pre-sale) Permit and building construction permits. Among them, the Construction Land Planning Permit and the Commercial Housing Sales (Pre-sale) Permit must be confirmed before they can be purchased, because only in this way can the formality of this property be guaranteed. At the same time, when buying, pay attention to whether the house you choose belongs to the pre-sale scope.
3. Pay attention to the price
When buying a house, everyone is most concerned about the price. Everyone must read more and ask more questions. Buying a house is a big event and costs a lot of money, so when buying a house, we must pay attention to the price at the time of purchase. If you are negligent, you will probably spend a lot of money, so the amount, method, time limit and liability for breach of contract must be clearly stipulated in the contract. If a developer asks you to pay a part of the down payment first, but only gives you a receipt without signing a contract, the buyer must not accept it. Because once there is a dispute in the later period, the buyers will be unable to hold the other party accountable due to difficulties in proof and other reasons.
when you buy a house, don't pay the house price in one lump sum. If there is a problem, the risk of the buyer will be great. Be sure to set aside some funds and pay them after the transfer. Well, the above is what Xiaobian introduced to you about when to pay the down payment and what to pay attention to when to pay the down payment. I hope it can help you!