What should I do if I want to check out with a house loan?
On the premise of mutual agreement, you can also apply for return of the house after the mortgage is settled. It should be noted that before the check-out procedure, if the mortgage repayment date is reached, the mortgage should be repaid first, and then the loan suspension and repayment procedures should be handled after the check-out procedure.
1. The buyer issues a check-out application. Usually, after the buyer and the developer reach an agreement, they apply to the developer for return of the house by registered mail, fax or telephone.
2. Go to the loan bank to go through various procedures. The developer is responsible for handling all procedures for the cancellation or termination of the contract between the buyer and the loan bank.
3. The developer will refund the house payment. The developer will return all the purchase money to the buyers, and go through the repayment procedures at the provident fund management institution or loan bank.
Check-out conditions
1, the developer's five certificates are incomplete.
In fact, this point should be paid attention to when buying a house, but buyers can also check the developer's undocumented when collecting the house. To legally sell commercial housing, developers must obtain state-owned land use certificate, construction land planning permit, construction project planning permit, construction project construction permit and commercial housing sales (pre-sale) permit. It is illegal for a developer to build or sell a house without complete documents, and the contract is automatically deemed invalid.
2. Excessive delay in delivery.
Although there are many developers in real life who fail to deliver the house according to the time agreed in the contract, there is no big controversy if the time for delaying the delivery is not too long. Generally, it is more reasonable to postpone the delivery within 90 days. If the developer fails to complete the delivery within the time limit, then the buyer can request to return a house and has the right to demand compensation from the developer.
3. There are major problems in housing quality.
Some housing quality problems can be found at the time of delivery, while others can only be found after occupancy. Therefore, when signing the purchase contract, questions about the quality of the house can also be written in, including walls, floors, sound insulation and so on. When the house is delivered, if problems are found through professional inspection and cannot be solved seriously, the buyer may propose to return the house and pay compensation.
4. The housing area error exceeds 3%
If the absolute error ratio between the measured area at the time of delivery and the temporarily measured area at the time of signing exceeds 3%, the purchaser may request to return the house and return the interest. In addition, if the developer changes the house type, orientation and area without the consent of the buyer, which violates the contract itself, then the buyer has the right to return the house, which is reasonable and protected by law.
5. Unable to apply for the title certificate due to the developer.
The title certificate of the house is very important. If the buyer cannot successfully handle the property right certificate within the time limit stipulated in the contract due to the developer's reasons, the buyer has the right to request to return the house.
The main process of checkout
1. The buyer sends a return notice to the developer.
If the property buyers intend to return a house, they need to inform the developer first, which can be notified by mail, fax or telephone. If the responsibility for return a house lies with the developer, then the economic loss of return a house shall be borne by the developer, such as loan interest, down payment deposit interest, house purchase tax, etc. However, if the responsibility for returning a house lies with the buyer, for example, if the loan is not audited and the loan is not successful, then the developer does not need to bear the responsibility.
2./kloc-Check out within 0/5 days.
The developer must return all the money to the buyer within 15 days from the date when the buyer sends the notice of house rejection to the developer, and complete the relevant procedures such as contract cancellation and bank loan cancellation within 15 days. If the overdue period is more than 15 days and the formalities are not completed, the developer shall pay 0. 1% of the total house price as penalty for each overdue day.
3, the employer refund
The developer will return all the interest generated by the loan from the purchase to the check-out period to the buyers.