First, what should I do if I buy a house and encounter an unfinished building?
1, the ownership of house property should be clear.
According to the different ways of buying a house and collecting it, it can be divided into two situations: mortgage loan to buy a house and installment payment to the seller. These two ways of buying houses will have different influences on the ownership of houses. Therefore, property buyers should first consult professional legal advice to find out their property ownership. Because the property right of uncompleted residential flats is particularly important for property buyers.
If the house is mortgaged, it is necessary to find out the mortgage period and how to lift the mortgage. It is recommended to consult a professional lawyer. In addition, if the house is not built when it is declared bankrupt, it will lead to the developer failing to fulfill his responsibility to the buyers; If the house has been built after the bankruptcy of the developer, the buyer can apply to the housing management department for real estate license according to the procedure.
2. The filing of class actions should be unified.
Property buyers should make concerted efforts with many property buyers, Qi Xin, to prevent some people from getting compensation and some people from getting compensation. As the saying goes, when people gather firewood, the flames are high, and the owners speak with one voice and work hard in one direction. The momentum and combat power alone are more concerned than a single industry. In addition, professional lawyers must be hired in the process of safeguarding rights, because whether negotiating with developers or coordinating assets with the government, banks and construction parties, real estate lawyers need rich experience in handling cases in order to maximize rights protection.
3. Minimize your own losses.
Almost every building has a complicated debt relationship. Developers owe not only the owner's house, but also bank loans and construction projects. Property buyers should not check out easily. Imagine that if the developer is unable to continue to recommend the project, it is very likely that there is no money to repay the owner. At this time, the relationship between the owner and the developer will become a debt relationship. According to the relevant regulations, the institution (bank) that has the mortgage on the property has the priority to repay, while ordinary consumers have no priority to be compensated. In addition, if developers have the ability to raise funds to continue the project in a short period of time, they may wish to be calm, after all, this will minimize the losses.
Second, how to avoid buying uncompleted residential flats?
1, inspect the brand of the developer.
Property buyers should focus on whether to develop housing enterprises for brands when purchasing projects under construction. These housing enterprises have rich experience in the transaction process and strong financial strength, so it is unlikely that the capital chain will break in a short time, while small and medium-sized housing enterprises, like duckweed, cannot control the ups and downs of the industry.
2. Understand the process of real estate.
In the process of buying a house, buyers should know whether all developers have it. If the five certificates are complete, it will be helpful to handle the property right certificate and real estate license in the future.
Five certificates refer to: state-owned land use certificate, construction land planning permit, construction project planning permit, construction project construction permit and commercial housing sales (pre-sale) permit.
Step 3 find the right time to buy
If the facade of a project has been built more than half, and the probability of unfinished business is low, property buyers can boldly buy it themselves. Many owners are eager to buy a house and are indifferent to the construction progress of the project. As everyone knows, the failure to start work may be a problem in the middle.
4. Choosing an existing home is more secure.
In fact, it is safest to buy an existing house, because the project has been capped and there is no possibility of shutdown. If the five certificates are complete, buyers will not hesitate, and existing homes are a good choice.