It is the dream of the whole family to choose a new "home" near the Spring Festival. Therefore, understanding the whole process of buying a house is very important for first-time or off-site home buyers.
It's not without benefits.
Step 1: Choose a house.
As a real estate, the location of a house plays a decisive role in its use, preservation and appreciation.
Property buyers should first look at whether the nearby traffic extends in all directions, whether it is convenient to get in and out, and whether it is convenient for children to go to school and shop. Secondly, look at the community environment.
, but also consider the composition of family members and the requirements of the owner's housing function, choose the appropriate apartment structure, such as height, orientation, vision, lighting and so on.
, privacy, etc. Finally, consider the price.
Step 2: Investigate the project.
First, it is necessary to inquire whether the houses sold by developers are complete with "five certificates", including: state-owned land use certificate and construction land planning permit.
Certificate, construction project planning permit, construction permit and commercial housing sales (pre-sale) permit.
Step 3: Sign the contract.
If property buyers know little about relevant knowledge, they may wish to ask professionals to accompany them to sign the contract, and the content of the purchase contract should be as comprehensive and detailed as possible.
Fines, terms should avoid conflict, and the agreement on liability for breach of contract must be equal; Be careful to sign the "overlord contract"
Step 4: Housing loan
If it is a one-time full payment, it can be paid directly to the real estate company; If it is a mortgage loan to buy a house, it takes several steps: take it from the bank.
Form, and ask how to fill in various forms; Go to the insurance company for insurance; Stamp the required chapter at the real estate company; Fill out the bank form,
Prepare other required information and submit it to the bank for verification; After receiving the notice from the bank, go through the loan procedures, household registration book, ID card and down payment invoice.
It is best to take all the information related to the purchase with you.
Step 5: Acceptance of facilities
Pay attention to the acceptance of doors, windows, floors, ceilings, walls, kitchens, bathrooms, etc. , and check whether the gap between the door frame, door bolt and door lock is too large or too tight, and whether it is
Special voice; The size of the window gap and the opening and closing of the window; Whether the ground wire interface is loose; Whether there are water stains and cracks on the ceiling; Are there any protrusions or depressions on the wall?
Whether there are water stains and cracks on the joints of the sink, wall and corner.
Step 6: Property management
To be clear, the public service of property management has several aspects: cleanliness, sanitation of public corridors in buildings, and garbage removal.
Constantly clean; Daily maintenance of greening objects; Full-time staff patrol on duty 24 hours a day; Maintenance of public reservoirs; Used in power distribution equipment and water pump room.
And the daily management and maintenance of public hydropower facilities.
Step 7: Get the title certificate.
If the application for initial registration of land use right and house ownership meets the requirements after examination, the developer shall handle the ownership at the agreed or legal time.
Registration should be reported to the property rights authority for the record, and at the same time, the purchaser should hold relevant information and obtain the real estate license.
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Eight measures to solve the problem of buying a house
The house has not yet taken shape, the book is full of hype, and there are limitations of my own knowledge of buying a house ... whether it is safe to buy a house and whether the purpose of the contract can be realized has always been a problem.
Take care of every buyer. Lawyer Ling of Henan Law Firm now teaches you the "eight tricks" to solve the puzzles and problems of buying a house.
First, keep a rational attitude.
The weakness of buyers lies in their mentality. Property buyers should overcome blindness, conformity, comparison, luck and be swayed by considerations of gain and loss, and be mature and rational.
Mentality can create a mature market.
Second, the necessary inspection before signing the contract
Developers fully publicize the projects being prepared and opened, and buyers should not be confused by this, nor should they be satisfied with signing a paper purchase contract.
Before signing the contract, first, we should examine the credit strength of the developer; Second, it is necessary to investigate whether its previous development projects have fulfilled their promises and have a big dispute with the owners.
Experience; The third is to investigate whether the procedures for the purchased housing construction projects are complete.
Third, dare to say "no" to the "overlord contract"
It is necessary to carefully review the contract text provided by the developer unilaterally, the terms should be consistent, and the rights and obligations of both parties should be equal; Options and blanks in terms
Fill in the situation clearly, and matters with special requirements should be agreed through supplementary agreements.
Fourth, know how to ask for help from "experts"
Commercial housing sales are very professional, so it is difficult for ordinary buyers to have the same negotiation and signing ability, and it is also difficult to have "experts" in real estate and law.
Asking for help is a safe shortcut.
Fifth, the "handover" link can not be ignored.
Developers and property buyers can handle house handover at will. Anxious to move in, buyers rushed to sign for and get the keys to the house.
Many disputes are related to random handover, and the handover behavior should be standardized.
Six, supervise the performance process of developers.
In the process of fulfilling the contract, developers often change the planning and design, postpone the delivery of houses and postpone the registration of property rights. buyer
After discovering that the developer may have breached the contract or has already breached the contract, we should immediately negotiate with him, and we can defend our rights in time by reporting, complaining and suing.
Seven, pay attention to the collection and preservation of evidence.
Developers' breach of contract is universal, and once they decide to protect their rights according to law, their success depends on the evidence. Property buyers should carefully collect and save all relevant information.
Information related to house purchase, especially documents, certificates and drawings issued by developers and government departments, so as to avoid being unfounded when necessary.
Unity is strength.
In practice, developers often breach the contract not for individual buyers, but for the collective buyers. Buyers banded together against the developers.
Force is the best means for buyers to save themselves or seek judicial relief.
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9 Look at the details of buying a house
General property buyers pay more attention to the location, supporting facilities, lighting, planning, etc. of the community when buying a house, thinking that if they master the above, they will buy a house without worry.
Yes, but when buying a house, you need to pay attention to some other factors.
Look at the traffic in the community. At present, there are many people and cars in the community, and the pedestrians and dealers do not interfere with each other, which improves the environmental quality of the community. Residential areas where people and vehicles are mixed should be inspected.
Whether the main road design of residential area is "smooth", whether there are enough parking spaces, and whether the location of parking spaces is reasonable, generally speaking, residential areas
The ratio of parking spaces to households should not be less than 10%.
When looking at the price, we must first find out what the price of each commodity is, and some are "opening price" or "subscription price", which is the lowest price.
Prices include "average price" and "highest price". In this way, property buyers can eliminate projects that greatly exceed the budget and have poor performance.
Then make a comprehensive comparison.
Generally speaking, a good apartment design should do the following: there is a transition space at the entrance, that is, the "entrance", which is convenient for changing clothes and shoes;
Huxing realizes "dynamic and static" zoning; The living room is open and bright, the kitchen and bathroom should be designed as a whole, and the bathroom should have an independent and reliable exhaust system.
Sewers and traps shall not be exposed indoors, and the main room shall be well ventilated and have sufficient sunshine time. In addition, we should choose according to the family size.
Choose housing area and apartment structure to avoid big and empty houses.
Look at the equipment. Residential equipment includes pipes, toilets, bathing equipment, gas equipment and heating equipment. Attention should be paid to the selection of these devices.
Quality and installation. Attention should also be paid to energy conservation, mainly to heat preservation and insulation, heat prevention and saving heating.
Sound-insulated houses should keep a certain distance from noise sources in residential areas, such as schools, parking spaces and farmers' markets. Residential buildings facing the street should be green.
Screen, double glazing, etc. ; The floor should have sound insulation performance that meets the standard.
China has an old saying about privacy: a winding path leads to a secluded place. When used in a house, the room is taboo, but a good private space is needed.
Housing owners should pay attention to building spacing, room spacing, horizontal spacing, etc.
Common residential structures are brick-concrete structure and reinforced concrete structure. Brick-concrete structure is only suitable for multi-storey houses, and its advantages are low cost and safety.
Good temperature and heat insulation performance. The disadvantage is that the indoor pattern can not be changed generally, and the durability is poor. Reinforced concrete structure is suitable for middle and high-rise residential buildings, and its earthquake resistance
Good performance, strong integrity, good fire resistance and durability, and indoor layout is more flexible than brick-concrete structure.
According to different years, the state has stipulated depreciation years for different building structures: 60 years for reinforced concrete structures and 50 years for brick-concrete structures. Besides, it depends.
The right to use residential land is 70 years, which is the longest period of transfer. It starts from the time when the state transfers the land to the developer, and some projects start from scratch.
It usually takes 1 to 3 years to send it for sale, which means that the land service life of the house is reduced.
Look at the common public building area, including public corridors, hallways, staircases, elevators, etc. Due to the large traffic area of high-rise residential buildings,
The pool area is more. The house with the same use area has a small pool area, which shows that the design is economical and reasonable, and buyers can get more private space, which is worth it.
It should be noted that the smaller the allocated area, the better. For example, if the corridor is too narrow, it will definitely reduce the comfort of the occupants.