What are the procedures for buying a house?
1. Assessing purchasing power: Although buyers need to assess their purchasing power before buying a house, many cities have implemented the policy of restricting purchases and loans, but the purchasing policies of different cities are different, so before buying a house, they need to consider their own purchasing qualifications, estimate their economic strength and determine which areas they can buy a house.
2. Choosing a house: Many buyers buy a house for their own occupation. Whether buying a new house or a second-hand house, everyone is used to checking the housing information online first, but the information seen online is only a part and cannot be ignored. The contents that buyers need to pay attention to in the process of house inspection include: investigating whether the projects sold by developers are complete with five certificates; Building spacing, floor area ratio, greening rate, room rate of apartment type, lighting and ventilation, waterproof effect and delivery standard of the building itself; Whether the living facilities around the property are convenient.
3. Pay a deposit or deposit: After the buyer takes a fancy to a house, the salesperson will ask the buyer to pay a part of the deposit or deposit to make an appointment. If the housing has been confirmed, it is enough to pay the down payment within a certain period of time after paying the down payment. If it hasn't opened yet, paying the down payment means that you are qualified to choose a house on the opening day, and you need to choose a house on the opening day.
4. Signing a house purchase contract: After paying the down payment, the buyer can agree with the seller to sign a house purchase contract, and at the same time, the buyer needs to pay the rest of the down payment. The purchase contract is an important proof of buying a house to protect rights. When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract. Because the purchase contract is the best legal guarantee for the buyers, when signing the purchase contract, you should also add whether the obligations and rights in the agreement are equal, whether the liability for breach of contract and compensation are clearly written, whether the delivery date and delivery standard are clear, and whether there is a monopoly property management right.
5. Handling housing loans: Now many people will choose loans to buy houses, and housing loans are any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased houses as collateral. Generally speaking, according to the source of loan funds, it is divided into provident fund loans and commercial loans.
6. Check the house and deliver the house: then the buyers can wait for the time to collect the house. Looking at the house is another key point, and we must not be sloppy. In short, house inspection is a means to identify the current situation of houses in the process of real estate transactions. If you are not good at it, you can ask a special home inspector to build a house from top to bottom according to relevant industry standards. Check from the inside out, including outdoor venues, roofs, basements, etc.