1. Planning before buying a house
Before considering the related matters of the house, you need to calculate your purchasing power, including the affordability of down payment, the monthly repayment ability, the relationship between the house and the work unit, and determine the purchasing area. These determine your financial situation and cost performance after buying a house, and are also closely related to the quality of life.
Step 2 choose housing
After determining the area of the house, it is necessary to conduct a real exploration and screening of houses in this area. You can go to the sales department for on-the-spot consultation, or you can get the housing information through the housing agency or the internet, newspapers, street billboards, etc. , and choose the right housing.
Step 3 look at the house
For auction houses, the process of viewing houses is mainly completed in the sales department. When looking at the house, we should focus on the quality of the apartment, including the orientation, height and size of the apartment. At the same time, we should also pay attention to the transportation, commerce, medical care, education and other supporting facilities around the property.
For existing homes, it is convenient to inspect the house on the spot and inspect the size of the apartment, lighting and ventilation, residential environment, property management and surrounding facilities.
4. Pay subscription funds
If it is an auction house, you look at a house and decide to buy it. Generally, a certain subscription amount will be paid in the sales department as a preferential amount for later booking. For developers, a buyer has been locked in, and for buyers, they have obtained the qualification of housing selection and preferential places in the later period.
5, the opening house selection
The first day of the auction is a very important day for all buyers. Whether you can choose a house or not depends on this day. Generally, on the opening day, the property consultant will inform its clients to bring relevant supporting materials to the house selection site, or decide the order of house selection according to different house selection methods.
At this time, I have to prepare more houses, including different buildings and different floors, but the purchase area is basically fixed. When entering the housing selection area, choose a suitable house according to the remaining housing and your own intentions. If there is no suitable house, you can not choose. Property buyers must be rational at this time.
6. Sign a house purchase contract
Later, with the help of the property consultant, the buyers who have already paid the house signed the purchase contract with the developer at the agreed time and place with the down payment. The purchase contract generally includes the area, unit price, total price, building, floor, unit and number of households. At the same time, it is necessary to negotiate relevant precautions and supplementary terms, including the division of responsibilities after delivery and the handling methods of emergencies.
All these require buyers to carefully check the information and observe. It is best to invite people who know the house to be their own consultants to prevent accidents in the later period and protect their legitimate rights and interests with contracts.
Step 7 apply for a loan
In the current property market, buying a house is basically done through loans. Generally, customers of a real estate will apply for loans under the unified organization of developers. Before you apply for a house loan or prepare to buy a house, you should carefully consider the loan. In order to better complete the loan, buyers must prepare their own bank credit information and income flow in advance, give the loan bank a satisfactory answer sheet, and facilitate their smooth access to bank loans.
8. Complete online signing and filing in time.
Within a certain period of time after the buyers sign the purchase contract, the real estate management department needs to publicize the purchase contract and the sale agreement of the buyers online, generate the record number of the buyers and the corresponding housing information, prevent the one-room two-sale, facilitate the housing information inquiry, and safeguard the rights and interests of buyers and the stable development of the real estate market.
9. Apply for real estate license
Handling the real estate license of a house is also an important part in the process of buying a house. The importance of real estate license must be clear to everyone. With the real estate license, you can own the house completely. The real estate license is generally handled by the developer organization to the real estate management department.
Remind the majority of property buyers that if you buy a house without a pre-sale certificate, you will not be able to apply for a real estate license. Only when the developer finally has the qualification of five certificates can this link be completed.
(The above answers were published on 20 19-02-20. Please refer to the actual situation for the current purchase policy. )