2. Look at your own economic ability. Look at your financial ability, not only your current financial ability, but also your short-term work development potential in the next three to five years and possible career arrangements in the next 10 to 20 years, as well as how you usually spend money and the health status of yourself and your family. Finally, I worked out a data, how much down payment I can actually pay and how much I can afford every month.
3. Check the basic information of the house. After choosing a house, when signing a house purchase contract with the developer, we must pay attention to reconfirming the real estate information in the contract with the developer, such as which building, unit, floor, room number, apartment area and price. See if this information is what you think.
4. Determine the loan method. At present, there are two loan methods, one is commercial loan and the other is provident fund loan. Both have their advantages and disadvantages. Property buyers should fully consider the characteristics of the two ways when deciding the way to buy a house by loan, and choose the loan method according to their actual situation. If buyers need a larger loan amount, they can choose commercial loans, but if they want to save interest as much as possible, then provident fund loans are the first choice.
5. Examine the strength of the developer. If the real estate developers are strong, then the location of the new real estate, the level of property services, and the quality and huxing of the houses built are definitely worth buying. Now, it is not uncommon for development enterprises to run away. If the developer has a bad reputation, then the risk of buying a house in this property may be great.
Novice purchase process
Kanlou 1
First of all, buyers should go to the scene to see the house, focusing on whether the house has pre-sale qualifications. In the process of checking whether the real estate has the pre-sale qualification, the key point is to check the pre-sale certificate of commercial housing, such as whether the real estate is publicly subscribed internally without the pre-sale certificate, whether the pre-sale certificate is hung in a conspicuous place in the sales department, and whether the pre-sale certificate has expired. In terms of housing quality, it is suggested to go to the site to check whether there are problems such as wall cracking, water leakage, water seepage, cutting corners and pipeline leakage.
Secondly, property buyers should check the qualifications of developers on the Internet to see whether the purchased houses are mortgaged or sealed up. If the house you buy is sold by a real estate agency, you should know whether the company has the qualification of real estate agency.
Step 2 buy a house
First of all, property buyers should seriously sign the subscription book. Subscription book is an appointment contract for the sale of commercial housing, and it is an independent contract. Signing a subscription book often leads to a series of disputes, which is embodied in the fact that buyers want to recover the deposit, but developers may not necessarily return it. Therefore, in order to avoid too much trouble, property buyers can ask the developer to look at the sample of the formal contract before signing the subscription book to avoid being stuck.
Secondly, buyers should see whether the subscription book can guarantee fairness. The contents of the subscription book generally include: the basic situation of both parties; The basic situation of the house (including the location and area of the house); Price calculation; Time limit for signing the contract. Everyone should see clearly whether the content violates the principle of equality and fairness.
Finally, the house payment must be paid to the monitoring account. Property buyers should pay the house price to the bank monitoring account specified in the pre-sale permit of commercial housing, and do not directly hand it over to the developer or intermediary. The house payment can be paid in one lump sum or in installments, and the specific installment shall be agreed by both parties. For example, the buyer can keep 15% of the house price, of which 10% can be paid before the seller delivers, and 5% of the house price can be paid when the pre-seller delivers the real estate license of the commercial house.
3. Formal signing of the contract
The standard format of the purchase contract text cannot be added, deleted or changed. When signing a house purchase contract, consumers have the right to carefully consider the terms and details of the contract and ask for changes when they are not satisfied. At the same time, the buyer should also pay attention to the blanks that need to be filled in the format contract, know how to fill in many details to protect his rights and interests, and agree on the consequences that should be borne if the conditions are not met.