It takes a lot of money to buy a house. Today, with the rising house prices in Shijiazhuang, more money is needed. Most of the huge buyers who just need improvement have chosen installment payment. Installment payment refers to paying part of the money to obtain the right to use the house when buying a house, moving in and living, and gradually paying off the remaining money within the prescribed time limit. The down payment ratio of Shijiazhuang real estate is between 30% and 60%, and the down payment of the first suite is generally between 30% and 40%.

Matters needing attention in buying a house by stages in Shijiazhuang: mortgage interest rate is very important.

What are the precautions for buying a house by stages?

Relatively speaking, installment payment is more conducive to property buyers, especially for the pre-sale of faster houses. Property buyers can pay the house payment to the developer in several times according to the project image progress, and then pay the final payment until their commercial houses are qualified, which is fair to both buyers and sellers. Buyers who adopt this payment method should also grasp the following points:

1. It is recommended to pay by installment for the purchase of the forward house. When the buyer pays the down payment, he signs a formal house sales contract with the developer. When the house is delivered for use, he pays all the house price and handles the transfer of property rights.

2. Installment payment for existing houses. It is suggested that the house should be handed over and paid at the same time, and the house should be handed over first and then paid in cash.

3, installment payment must compare the interest rates of various banks, and different interest rates can even make you pay tens of thousands less.

Compared with one-time payment, installment payment has the disadvantage of high interest rate, so the sum of house payment will be higher than one-time payment. However, it can reduce the cost of capital. If compared with inflation, personal income growth rate and ability to pay, installment payment is more cost-effective for buyers.

Generally, buyers and sellers agree to pay by installments in the contract. According to the development progress of the project, the house payment will be paid in installments, and only a small part of the balance will be left when the house is delivered for use. The advantage of this is that the buyer can use the house payment to urge and restrict the developer to develop the construction project according to the agreed time, and at the same time, the buyer can also alleviate the pressure of one-time payment.

The role of buying a house by installment

1, large-scale sales of commercial housing, so that some unsalable houses can be put into use as soon as possible, giving play to monetary and material benefits;

2. Make some buyers who are temporarily unable to purchase houses become buyers and realize residential transactions.

3. Through the adjustment of the government financial department, low-income residents can live in houses;

4. Introduce some social hot money;

5. Public houses can be sold to households by stages, and a large amount of funds can be recovered.

It should be noted that although some buildings in Shijiazhuang have slogan of "zero down payment" or "ultra-low down payment", they are actually down payment in installments. Buyers need to make up the down payment in a short time, the down payment ratio has not been substantially reduced, and the pressure is relatively high in the later period. Although buying a house looks easier, how to choose it still needs careful consideration.

(The above answers were published on 2015-10-15. Please refer to the actual situation for the current purchase policy. )

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