Generally, the down payment is paid to subscribe the developer's property, and the down payment is paid within 7 days after signing the Subscription Agreement, and the Commercial Housing Sales Contract is signed at the same time. At this time, the subscription agreement is invalid. Then pay all the materials needed for mortgage, that is, apply for mortgage loan from the bank. After the bank has approved and signed a mortgage loan contract with you, you can lend money, and the monthly payment will start one month after the loan is released.

What are the precautions for paying the down payment for buying a house?

1, verifying the developer's five certificates

Before buying a house to pay the down payment, buyers must first confirm that there is no problem with the house they choose. First of all, they should verify whether the developer has five certificates, including construction land planning permit, construction project planning permit, construction permit and sales permit. When verifying the five certificates, buyers mainly look at the state-owned land use certificate and the pre-sale permit of commercial housing.

2. Pay attention to the terms of the contract.

Generally speaking, buyers need to sign a purchase contract with the developer when paying the down payment. When signing a house purchase contract, buyers need to pay attention to the contents of the contract, especially whether the rights and obligations in the contents filled in by both parties are equal. Some developers have filled in the contract text in advance, and even the supplementary terms are filled in by themselves. Most of these filled-in contract texts are unequal in rights and obligations.

3, clear delivery time, liability for breach of contract.

Before paying the down payment, buyers need to pay attention to whether there is a clear delivery time and liability for breach of contract in the purchase contract, and whether there is compensation for delayed delivery. The delivery date must be confirmed in the contract, and the delivery date must be clear to the year, month and day; Do not accept any unreasonable terms. If there is no penalty clause for late delivery in this contract, the breaching party shall pay the observant party a penalty of 1% to 5% of the total contract price according to law.

4. Pay attention to whether the payment method of house sales is standardized.

Some developers do not sign the purchase contract first, but let the buyers pay the down payment before signing the purchase contract. This is not the right order. Before paying the down payment, the purchaser must first determine whether there is an agreement on the amount, time limit, method and liability for breach of contract in the purchase contract. Some developers will let buyers pay a certain down payment before signing the contract, but only give buyers a receipt. Once a dispute occurs, it is often difficult for buyers to prove their responsibility.

5, confirm the area and area difference processing.

The purchase contract should also confirm the treatment of area and area difference. If the area of the commercial house purchased by the buyer is different when the house is delivered, it shall be implemented as agreed in the contract. If there is no agreement, it shall be implemented as follows: If the absolute value of the area error ratio is within 3% (including 3%), the house price shall be settled according to the facts; When the absolute value of the area error ratio exceeds 3%, the buyer has the right to return the house or negotiate with the developer to solve it, so this kind of dispute can only be avoided after the settlement method of the area difference is specified in the contract.