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When will the mortgage be repaid?
Buying an auction house starts to repay the loan from the month after the loan. After the delivery of the auction house property certificate and mortgage registration, the mortgage loan of the auction house is equivalent to the existing house. In fact, the loan procedures for buying a house are only the pre-approval of the bank, and the loan will not be officially released until the auction house obtains the pre-sale permit, and the repayment will begin the next month.

Purchase process of forward house

1. Before buying an auction house, check whether the developer's "five certificates" are complete. "Five certificates" include real estate development certificate, state-owned land use certificate, project development permit, construction project planning permit and commercial housing sales (pre-sale) permit.

The buyer of the auction house signed the contract after confirming his intention to buy a house. He must pay attention to the quality of the house when signing the contract. When signing the contract, the buyer should carefully read the contents of the two books, namely, Commodity House Quality Guarantee and Residential Instruction Manual, and take the quality guarantee as an annex to the contract.

3. After the pre-sale registration is completed, the contract can have legal effect. The Buyer and the Seller shall, within 30 days after the signing of the contract, go through the formalities at the market office of the Housing and Land Administration and pay taxes.

4. When the house is purchased in advance, it is necessary to check whether the infrastructure of the house is complete, whether the water and electricity are smooth, whether the conditions promised by the developer when purchasing the house are fulfilled, whether the residential property is effectively in place, and the parking space problem that buyers attach great importance to now. It should be handled properly.

What should I pay attention to when buying an auction house?

1, depending on the developer's strength

I believe everyone can understand that the quality of real estate built by developers with strong strength and good reputation will not be too bad. For some small and medium-sized developers who have never heard of it, they should go to the relevant authorities to investigate the qualifications of developers before buying a house. Before buying an auction house, property buyers should first conduct a comprehensive inspection of the strength and credibility of the project developer. You can go to the real estate that the project developer has developed and turn around to understand the basic situation of the next community. You can also check the strength and reputation of developers online.

2. Pay attention to the agreed processing time of the certificate of immovable property rights.

In the disputes over faster delivery, many of them are related to handling property right certificates. According to the regulations, the real estate registration authority refers to the real estate management authority. After examination of the applicant's application, the ownership is clear and the source of property rights is complete. After accepting the registration, the housing registration agency shall immediately issue the housing property certificate.

If you can't apply for the certificate of immovable property right after handing over the house and preparing the corresponding documents, then the reason is generally the developer. Common reasons are imperfect development procedures, unpaid land transfer fees and so on. It is suggested that when signing the contract, it should be agreed within what period the developer can apply for the general certificate.

3. Be alert to the risk of shrinking area.

Many property buyers find that the actual area of the house is not the same as the sales area. When buying a house, the developer's so-called gift area, pool area and use area. We must pay attention to it. It is too late to regret, and it is not easy to remind buyers to keep an eye on making money.

4. Be alert to housing quality problems.

Because the auction house is paid before delivery, the quality problems of the house are also common, such as the problems of the main structure, the problems that affect the living (roof, wall leakage) and so on. These problems are more professional, and buyers need to ask professionals to help them check and accept when they close the house.

5, the risk of false advertising

Many real estate developers exaggerate good houses when selling houses, including all aspects. Most residential planning and construction can not be completed on time, which will greatly affect the delivery time and household experience. For example, the completion time of the underground parking lot downstairs will directly affect the residential environment and even the delivery date of individual households on the first floor. There is also the building spacing, to see if it is consistent with the purchase of faster, to see if there is sunshine, west sunshine and other issues. Whether the hydraulic pump on the high floor is suitable, whether the elevator is safe, etc. Remind buyers to polish their eyes when buying a house.