Matters needing attention in buying a house (preparation stage)
First, determine the goal of buying a house: according to your actual income and expenditure, determine the real estate that suits you.
Second, learn the common sense of buying a house: buying a house is a more professional behavior, because the amount involved is huge. Therefore, it is necessary to learn common sense of buying a house.
Third, accumulate the down payment for buying a house
Fourth, screen the scope of buying a house: choose the real estate that suits you-buy a house according to your ability. The advantages of newly opened small huxing are more reasonable huxing, higher living comfort and relatively higher return on investment in the future.
Fifth, save the travel time cost: before buying a house, we should also consider the travel time cost. Because we can easily find that the time cost and transportation cost of crossing the city are more and more expensive. If you spend 2 hours on traffic every day, then 65438+ 10 month =60 hours =2.5 days, 1 year =730 hours =30 days, 50 years =36500 hours = 1520 days =4 years. Remind friends who want to buy a house to grasp the 5 km life circle, which is an effective parameter to measure the benefit and quality of buying a house. The smaller the cost, the more cost-effective the house you buy. In this way, after buying a house, you will pay less and less.
Sixth, the understanding of the cost of buying a house: after determining the goal and scope of buying a house, some basic expenses of buying a house must be calculated in advance. Although these expenses seem small on the surface, some are fixed values, but combined with the total price of the house in the future, their expenses are still not small.
What you must know about buying a house when looking at a house.
(1) Put forward "one request" to the seller, and put forward that the exact content of the sales advertisement should be written into the house purchase contract, so as to see the truth of the advertisement clearly;
(2) Grasp the "two points" in the pre-sale permit review, and check whether the pre-sale project is consistent with the name of the real estate being sold, and whether the purchased house is within the pre-sale scope;
(3)? To enter the sales office, you should be able to go through the "three customs", "compulsory reservation" (salespeople "force" you to place an order as soon as possible because the house you buy is tight) and "ban" (for the purpose of "property hoarding"). The salesperson tells you that your favorite suite has been sold, so you can give it up.
(4)? Make the deposit "four clear" (specific location, area, price, time of signing formal sales contract, deposit amount and delivery time, deposit return form);
(5)? Consider the "five differences" in the actual purchase (environment, layout, furniture layout, decoration materials, workmanship, design details);
(6) Agree on the subject matter of the purchased house: for example, a rough house or a fully renovated house? Land source? Basic information of the house? Including indoor, building, pool area and height;
(7) Acceptance of "two books", what are two books? These two books are two legal documents provided by the developer after notifying the buyers to move in after the completion acceptance. First, residential quality assurance. The second is the residential instruction manual;
(9) Effectively protecting the legitimate rights and interests of the buyer and striving to improve the contract are the only effective solutions. For example, how to deal with the area error, Ministry of Construction, 200 1? The promulgated Measures for the Administration of Commercial Housing Sales clearly stipulates that if there is an agreement between the two parties, it shall be handled according to the following principles (if the absolute value of the area error ratio is within 3% (including 3%), it shall be handled according to? Real settlement of house prices; ? When the absolute value of the area error ratio exceeds 3%, the buyer has the right to return the house. If the buyer cancels the house purchase, the seller shall pay the house price paid by the buyer to the buyer within 30 days after the buyer cancels the house purchase? Return the money to the buyer and pay the interest on the paid house price).
What should I pay attention to when buying a house?
Matters needing attention in buying a house (purchase stage)? What procedures and documents do you need to buy a house? Look at the novice buyer.
One: Understand the background and qualifications of developers. It is very important to choose a powerful developer. Regular developers are guaranteed in terms of housing quality, contract signing and property rights management.
Two: the surrounding environment and supporting facilities of the community. The direction of municipal development directly affects the appreciation of real estate.
Three: internal planning of the community. 1. Does the location of the heating conversion station, garbage disposal room, garage entrance and exit, and power distribution room affect the house selection? ? 2. The layout of the building, the possibility of reconstruction, the influence of building spacing and lighting.
Fourth, the investment owner should analyze the proportion of the number of rooms in and around the community, and the owner-occupier should look at personal needs.
Five: Other formal pre-sale contracts for commercial housing, such as area error, clear height of storeys, and time for handling property rights, are clearly stipulated. Check whether the interior wall, floor, roof, doors, windows, waterproof treatment, exterior wall, corridor, housing area and pool area are consistent with the contract. Area expansion and contraction shall not exceed 3%. If it exceeds 3%, the purchaser shall pay it to the developer at the unit price when purchasing the house; Within 3%, developers pay buyers twice the purchase price; Regardless of the increase or decrease of the area error, the buyer can request to return the house, and within 3%, it will be refunded according to the current interest of the bank for the same period.
Pay attention to the purpose of each sum on the receipt when paying the house payment (such as house payment, overhaul fund, various taxes and fees, water, electricity, installation fee of closed-circuit telephone, etc.). ).
Warm reminder: If you want to buy an auction house, first look at the "five certificates": real estate developers must have a construction land planning permit, a construction project planning permit and a builder to pre-sell commercial houses. Construction permit, state-owned land use permit and commercial housing pre-sale permit, referred to as "five certificates". The first two cards were planned by the city? Commissioned by the Commission, the Municipal Construction Committee issued the Construction Permit, and the Municipal Department of Land and Resources issued the State-owned Land Use Certificate and the Commercial Housing Pre-sale Permit? And the Housing Authority.
Purchase process
Commercial housing itself is a commodity, but it is different from ordinary commodities. Due to the particularity of long transaction process, high price and complicated procedures, some disputes often occur between buyers and sellers. The main reason is that property buyers lack the basic knowledge of buying a house. Now, according to the experience of some property buyers, I will tell you about the general process of buying commercial housing and the problems that should be paid attention to:
First, collect all kinds of information about real estate projects through the media.
Second, through the comprehensive calculation and analysis of their own consumption demand (purchasing power, location of the property to be purchased, supporting facilities of residential quarters, environment, property management, total price, area, etc.). ), initially determine a housing purchase framework suitable for your actual needs, and then select and compare with various real estate information collected to determine several alternative projects.
Third, through the collected information, telephone consultation or friends familiar with the project, get a preliminary understanding of the alternative projects, and then spend a few days on-the-spot investigation.
4. During the field trip of the project, you can invite some friends who know more about architecture and environment, which will be of great help to choose a good house.
Five, after the selected project, before paying the deposit, it is best to consult the lawyers or knowledgeable friends in the real estate industry about the problems that should be paid attention to when signing the contract. If you have the conditions, you'd better hire a full-time real estate lawyer to handle it for you, so as to ensure that you won't be too passive in case of a dispute with the developer after buying a house.
Six, after making the above preparations, go to the sales office to pay the deposit, sign the subscription book at the same time, and determine the time to sign the formal contract. (During the period, special attention should be paid to the "five certificates" and related documents provided by the developer in detail).
Seven, according to the agreed time to sign a formal purchase contract with the developer, and pay the purchase price according to the payment method agreed in the contract.
Eight, within the prescribed time limit, the developer should assist the local real estate transaction management department to handle the pre-sale contract registration procedures, and pay stamp duty in accordance with the provisions.
Nine, after the contract registration, need to apply for housing loans, you can start to apply for mortgage loans. Specific measures can be consulted with relevant departments.
10. After the house is completed and accepted, the developer will provide the Notice of Occupancy and the Notice of repossession, and the sales department, the finance department and the management office of the property management company will go to the site to work centrally and handle the owner's occupancy formalities. When going through the formalities of entering the park, the owner should bring the corresponding documents and the purchase contract.
What taxes should I pay for buying a house?
What taxes should I pay for buying a house?
The taxes and fees to be paid for the purchase of new houses mainly include the following:
(1) Taxes and fees payable for the purchase of commercial housing:
1, deed tax, 3-5% of the total purchase price (the tax rates of different provinces, municipalities and autonomous regions are different), and ordinary commercial housing is halved, that is, 1.5-2.5%.
2. Stamp duty, 0.05% of the total purchase price.
(2) Funds:
1, housing maintenance fund, accounting for 2-3% of the total purchase price, and 2% in most places.
2, non-staple food price adjustment fund, 2 yuan/square meter, some places do not use.
(3) cost
1, transaction fee? 0.5% of the total purchase price? The Buyer and the Seller each pay 0.25% (residential 3 yuan/m2, which shall be paid by the developer and not borne by the buyer).
2. What is the cost of the real estate license? ,? It varies from place to place, but it does not exceed 100 yuan.
3, the "land use right certificate" fee? It varies from place to place, but it does not exceed 100 yuan.
(4) If mortgaged, the following expenses will also occur.
1, appraisal fee, 0.2-0.5% of the total purchase price.
2. Insurance premium: the total purchase price multiplied by the loan term multiplied by 0. 1% multiplied by 50%.
3. Notarization fee, loan amount multiplied by 0.03%? 4. Mortgage registration fee, 100 yuan.
What are the procedures for buying a house?
[1] If you are single, you must provide proof of unmarried; PS: Go to the Civil Affairs Bureau to issue an unmarried certificate; (Provide materials)
An identity card;
household register
Copies of relevant materials.
{Remarks} Sometimes you can go to the community neighborhood committee to get the unmarried certificate;
[2] If it is a foreign household registration, it is necessary to provide the household registration guarantee certificate of the corresponding city;
For non-local household buyers, unless it is a one-time payment, the bank will ask the buyers to provide a normal and stable income of a local person as a guarantor when lending to the bank.
[3] If the elderly are relocated and resettled, it is necessary to increase the number of young people as one of the heads of households to obtain bank loans.
For the loan of resettlement housing, the bank requires the lender over 65 years old to add a younger immediate family member as the lender;
Procedures for applying for provident fund loans to buy a house
(a) Before applying, the applicant should calculate the loan amount and repayment period according to the price and income of the shopping industry. According to the regulations, the applicant's loan amount cannot exceed the house? 70% of the production price, and the maximum loan amount is 300,000 yuan. What is the longest term of the loan? 25 years.
(two) the application must obtain a loan guarantee, which is the guarantee to ensure the safe return of the loan. There are four main ways to ensure:
1. Property mortgage provided by the borrower or a third party plus a third party guarantee;
2. Real estate mortgage guarantee plus comprehensive insurance for house purchase;
3. Property mortgage guarantee;
4. Joint and several liability guarantee.
(3) filing an application. The applicant may apply to the housing provident fund management department of the unit where he works, fill in the Application Form for Personal Housing Guarantee Entrusted Loan, and provide the necessary audit materials. ? These materials include:
1. Valid residence certificate;
2. The purchase contract or letter of intent and other relevant documents;
3. Letter from the borrower's unit agreeing to the loan;
4. Other materials required by the management center.
(4) preliminary examination. The management department conducts a preliminary examination of the materials, approves the loan amount and term, and determines the loan guarantee method.
(5) investigation. The management department investigates the application and puts forward the investigation intention. If the collateral needs to be audited and evaluated, it must also be audited by an evaluation agency.
(6) sign a contract. After approval, the data management center signs an entrustment contract with the bank, and the data management center issues an entrustment loan notice. In addition, between the loan bank and the borrower? Need to sign a series of contracts. This includes:
1. In case of mortgage plus guarantee, a mortgage contract and a guarantee contract shall be signed;
2. If mortgage guarantee is adopted and comprehensive insurance for house purchase is purchased at the same time, a mortgage contract and an insurance contract must be signed.
(7) Allocating loans. After the loan contract comes into effect, the management center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will allocate them according to the loan contract.
The final situation of the loan purchase procedure
The sales office needs to provide loan application materials within 7 days, during which the down payment can be made. As long as you get the invoice, you can apply for a loan according to the remaining amount.
These are the things that need to be paid attention to when buying a house. I hope I can help you! Tubatu decorative net, the leader of the whole industry. Click on the following links on this page, and you can get the major brands' supply, free quality design and free house inspection provided by the professional design team, saving 40% of the decoration cost!
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