From looking at the house to closing the house, buyers generally have to go through six steps, each of which has a different focus.
The first step is to confirm the requirements.
To confirm the demand, we should mainly consider three aspects. First, buyers should be clear about the purpose of buying a house, such as settlement, children's schooling, self-occupation, renting a house, providing for the elderly and so on. Different uses have different requirements for housing area, size and huxing. Secondly, understand the policies and regulations of the purchase area, such as whether the purchase policy is limited, the down payment ratio of loans, loan conditions and so on. Third, according to the income and expenditure of individuals or families, confirm the funds that can be used to buy houses and delimit the target cities or regions.
The second step is to look at the house and choose the house.
In the process of housing selection, buyers need to start from six angles and choose a relatively safer and better quality house. First, confirm the property rights of the house. Try not to choose a house with low price but unclear property rights. Determine the developer's five certificates and two books; Second, look at the quality. Xianfang should go to the site in person, and faster should choose brand developers to reduce risks. Third, look at the apartment type to see whether the design is reasonable and whether it can meet the demand; Fourth, look at the floor, orientation, layout structure, internal pipelines and so on. Fifth, look at the supporting facilities and environment, and try to choose a community with high development level, convenient commuting, beautiful greening and perfect living service facilities. Sixth, look at the property and understand the charging situation and service scope.
The third step is to sign the contract
There are often two main steps in signing a new house. The first step is to sign the subscription book. In this link, you need to pay attention to whether the information in the subscription book is complete, and keep a receipt or invoice when paying the deposit. The second is to sign a formal purchase contract. Contract is the main basis for safeguarding rights. The verbal commitment of the developer cannot replace the contract content. Therefore, the contract should clearly stipulate the time limit for performance, liability for breach of contract, compensation method, etc. In order to avoid disputes, buyers cannot successfully defend their rights.
The fourth step is to pay the house price.
If it is a full purchase, then buyers should pay attention to keep receipts or invoices. If it is a loan to buy a house, the things that buyers need to pay attention to are more complicated. It is recommended that buyers choose provident fund loans first. If you don't meet the requirements, you can choose a commercial loan. Either way, buyers should arrange the monthly payment and loan term according to their income and expenditure.
The fifth step is to inspect the house and accept the house.
After the house is completed, the developer will notify the buyers in writing for acceptance. Property buyers should check the developer first? Two books and a watch? : residential quality guarantee, residential instruction manual and completion acceptance record; Secondly, ask for an "area measuring table" to look inside the house. If there are quality or structural problems, the developer can be asked to return a house or decorate according to the severity; After the third house inspection, sign the house inspection handover form.
Step 6, handle the documents.
Buyers need to confirm that the developer has been initially registered. If there is no problem, you can apply for the real estate license according to the process:
Go to the management department to get the application form for housing (land) rights registration? Get a map (table)? Ask the developer for relevant documents (including housing statement, copy of real estate license, etc.). )? Pay maintenance fund and deed tax (keep payment voucher)? Submit application materials (sealed application form, house sales contract, confirmation of measured house area and house price settlement, surveying and mapping form, house registration form, household registration book, special receipt for maintenance funds, deed tax payment or reduction certificate, buyer's identity certificate, agreement, bank loan repayment certificate, etc.). )? Get the real estate license according to the specified time (carefully check the area, location, owner's name, ownership status and other information)