When buying a house with a first-time loan, you can pay only 20% of the down payment, but the home buyer must choose to use a provident fund loan. If the home buyer chooses a commercial loan, the minimum down payment standard is 30. Moreover, not everyone can use provident fund for loans. Home buyers must have a provident fund account in the local area and meet the local provident fund usage conditions. Only when purchasing a house can they apply for a provident fund loan from the bank.

What should you pay attention to when buying a house?

1. Be sure to check whether the developer has a commercial housing pre-sale license. With the license, it means that the developer has a land use certificate. , planning permit, construction project permit, etc. This is the key to whether you can get a property ownership certificate when buying a house. When purchasing, please note that the building number you purchase is within the pre-sale range. Be sure to use the standard house sales contract text printed uniformly by the real estate management department, and fill it out item by item in accordance with the terms listed in the text. Don't be careless.

2. Be sure to pay attention to whether the rights and obligations in the content filled in by both parties in the contract terms are equal. Some developers have already filled out the contract text in advance and even filled in the supplementary clauses themselves. Most of these filled-in contract texts contain unequal rights and obligations. Once this happens, home buyers must put forward their own opinions and must not act hastily. Area confirmation and area difference processing.

3. If you choose to confirm the area and deal with area differences based on the built-up area within the suite, the "Handling of Area Differences" clause should specify how to deal with area errors. Only when the area difference is stipulated in detail in the contract can you avoid being deceived. Be sure to pay attention to whether the payment methods for house sales are standardized.

4. Agree on the amount, time limit, method of payment and liability for breach of contract in the contract. Some developers do not sign a contract first, but first require home buyers to pay a certain amount of deposit and only give them a receipt. Once a dispute occurs, it often makes it difficult for home buyers to prove their liability. Be sure to confirm whether the delivery date is confirmed. It is common to delay delivery due to lack of funds. Developers often make a fuss in pre-sale contracts, such as only stating the completion date but not the delivery date;

5. Use "water" Some vague language such as "after electrical installation, after quality acceptance is passed, after community supporting facilities are completed". In this regard, when buyers sign a contract, they must clearly and unambiguously stipulate the delivery date as "a certain day of a certain month and year" and indicate the developer's liability for failure to deliver the house on time. When signing a house sales contract, ask a lawyer or expert to review the contract text on behalf of the house buyer from a legal perspective to reduce unnecessary losses.