Advantages and disadvantages of "local tyrant" payment in Shijiazhuang's one-time payment process for house purchase
One-time payment process for buying a house
1. Pay the down payment and sign the building subscription. Venue: Sales Reception Center.
2. House payment delivery and receipt cashing
Delivery of house payment: the house payment shall be delivered at the time agreed in the subscription book. Please refer to the payment guide for details.
Cash receipt: after the company confirms the receipt, it will cash the receipt at the sales reception center with the payment voucher issued by the bank.
3. Sign a commercial housing sales contract.
Venue: Sales Reception Center
Required information: identity certificate, original payment receipt, original building subscription book.
* Hong Kong, Macao and Taiwan and foreigners can choose to notarize the commercial housing sales contract. The notary fee of the notary office is: the house price below 500,000 yuan (inclusive) is the house price ×1.8 ‰; The house price is at
500,001yuan to 5 million yuan (inclusive) is the house price × 1.5‰.
* All Hong Kong, Macao, Taiwan and foreigners without Chinese names on their ID cards and passports must provide notarized documents with Chinese names issued by notaries in China before signing commercial housing sales contracts.
The original. Notary fee standard of notary office: 105 yuan/piece.
Lawyer's service fee: 300 yuan.
4. Obtain the commercial housing sales contract, purchase invoice and proof of payment.
Required information: original identity certificate and payment receipt.
5. Handle the delivery procedures of commercial housing.
Collection of delivery notice: the delivery notice of commercial housing is delivered by mail or signed by the parties concerned [1].
Delivery time and required information: Please refer to the Notice of Delivery of Commercial Housing and the Occupancy Guide.
6. Handle the "Real Estate Certificate"
Processing time and required information: Please refer to the Instructions for Handling Property Ownership Certificate issued at the same time as the Notice of Delivery of Commercial Housing.
7. get a real estate license.
Processing time and required materials: original ID card and receipt for real estate license.
Advantages and disadvantages of one-time payment for buying a house
The advantage is very obvious. First, save interest. Secondly, as far as the current situation of Shijiazhuang real estate market is concerned, one-time payment is beneficial to developers to pay quickly. Therefore, for a one-time payment purchase,
The owner of the house will get additional benefits, such as 98% discount on the full amount, XXX yuan/etc. One-time payment can reduce the cost of buying a house as a whole.
The disadvantage is that it increases the risk of buying a house. Shijiazhuang's real estate market is not particularly standardized, with late delivery time and incomplete documents. If the developer can't deliver the house on time, or even the project is "unfinished" (the project can't be delivered for use due to insufficient funds and other reasons), then the buyers may lose more interest or even all the money.
Therefore, one-time payment is suitable for the situation that buyers have sufficient funds, developers have good reputation and are existing houses, which can reduce the risk of buying houses. Even in this case, experts recommend paying 90% of the total amount in case of emergency.
(The above answers were published on 2015-10-15. Please refer to the actual situation for the current purchase policy. )
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