What should I pay attention to when paying the down payment for mortgage?
1, verifying the developer's five certificates
To verify the developer's land certificate, construction land planning permit, construction project planning permit, construction permit and sales permit, the most important thing is to look at the state-owned land use permit and commercial housing pre-sale permit. These two certificates are accurate, and there is no problem in general, especially the pre-sale permit. What needs to be reminded in particular is that property buyers must look at the original when viewing the five certificates, and the copy is easy to be cheated. This is also the key to whether you can handle the property right certificate in the future.
2. Pay attention to the terms of the contract.
The text of the house sales contract must be standardized, and friends can download and print it on the website of the real estate bureau. Read it yourself first, read it carefully and fill it out carefully when signing the contract!
3, clear delivery time, liability for breach of contract.
The seller's liability for breach of contract for late delivery, pay attention to whether there is compensation for late delivery, that is to say, the delivery date must be confirmed, 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 in the contract, the breaching party will pay the other party a penalty of 1% to 5% of the total contract price according to law, and pay special attention to the proportion of penalty for overdue delivery.
4. Confirm the terms of pricing method and payment method.
See clearly the pricing method, total price and payment method. The price per square meter should be clearly stipulated in the contract. If other expenses (such as water heating and gas installation fees, etc. ) are included, and they should be listed together. Is the house payment paid in one lump sum or by installment? Is it cash payment or bill payment, etc.
5, confirm the area and area difference processing.
The measures for the management of commercial housing sales clearly stipulate that if the purchased commercial housing area is different, if there is an agreement in the contract, it shall be implemented in accordance with the agreement. 3% is a watershed. If the absolute value of the area error ratio is within 3% (including 3%), the house price shall be settled according to the facts. If the absolute value of the area error ratio exceeds 3%, the buyer has the right to return the house or negotiate with the developer! Therefore, this problem can only be avoided after the area difference is specified in the contract.
6. Confirm whether the rights and obligations in the contract terms are equivalent.
Be sure to pay attention to whether the rights and obligations in the contents filled in by both parties in the terms of the contract are equal, and put forward their own amendments in time. The main research place is the contract supplement part of the developer. Be careful not to harm your own interests or give up your related rights. Signing a contract is a very serious matter and a legal act, so it is very important to know clearly before signing a contract!