2. Comprehensive comparison: After seeing the house, it is necessary to make a comprehensive comparison of these favorite properties and houses, mainly from the aspects of geographical location, transportation, surrounding facilities, house price, apartment type, property and property rights, so as to find the most suitable one.
3, confirm the purchase of a house to pay a deposit: after deciding which house to buy, you can pay some deposit to the developer or landlord to determine the purchase intention.
4. Sign a house purchase contract: You can sign a house purchase contract within one month after signing the deposit. However, when signing a house purchase contract, there are many places that need attention, such as the integrity of house property rights and whether it is complete without a license. You should also carefully check whether there is any blank in the content of the purchase contract, and clearly state the liability for breach of contract.
5. Pay the down payment: you can pay the down payment after signing the house purchase contract. If you choose to buy in full, you will usually pay half the fine first. When buying a house with a loan, you must go to the bank to apply for a loan and go through the mortgage formalities. The down payment ratio of the first suite is generally 30%.
6. Delivery acceptance: generally, the delivery time will be indicated in the purchase contract. As long as the developer delivers the house within this time, it is not a breach of contract. When the owner takes over the house, he must accept it. If the acceptance is unqualified, he can ask to return a house or ask the developer to be responsible. At the same time, we should also pay attention to whether the developer has issued certificates such as two books and one table.
7. Payment of the final payment: If the delivery is correct, you need to pay the remaining house payment to the developer within the specified time, and then you can get the real estate license. If you buy a house with a loan, you can only get a copy of the real estate license. The original is mortgaged in the loan bank and can only be obtained after the loan is settled.
Matters needing attention in buying a house
1, learn about buying a house. It is necessary to learn some real estate-related knowledge before buying a house, because buying a house involves a lot of money, and buying a house is a more professional behavior. If you don't understand the relevant knowledge of buying a house, you will definitely encounter many problems in the process of buying a house, and even be deceived.
2. Look at your own economic ability. Look at your financial ability, not only your current financial ability, but also your short-term work development potential in the next three to five years and possible career arrangements in the next 10 to 20 years, as well as how you usually spend money and the health status of yourself and your family. Finally, I worked out a data, how much down payment I can actually pay and how much I can afford every month.
3. Check the basic information of the house. After choosing a house, when signing a house purchase contract with the developer, we must pay attention to reconfirming the real estate information in the contract with the developer, such as which building, unit, floor, room number, apartment area and price. See if this information is what you think.
4. Determine the loan method. At present, there are two loan methods, one is commercial loan and the other is provident fund loan. Both have their advantages and disadvantages. Property buyers should fully consider the characteristics of the two ways when deciding the way to buy a house by loan, and choose the loan method according to their actual situation. If buyers need a larger loan amount, they can choose commercial loans, but if they want to save interest as much as possible, then provident fund loans are the first choice.
5. Examine the strength of the developer. If the real estate developers are strong, then the location of the new real estate, the level of property services, and the quality and huxing of the houses built are definitely worth buying. Now, it is not uncommon for development enterprises to run away. If the developer has a bad reputation, then the risk of buying a house in this property may be great.
6. Don't pay the deposit easily. Before signing the pre-sale contract, many developers will ask buyers to sign a "house subscription agreement", and they will also ask buyers to pay a certain deposit. But signing a subscription agreement is not a necessary procedure for buying a house. If you don't handle it properly after signing the contract, you will fall into a deposit dispute. It is recommended not to pay the deposit as much as possible.