We all know that buying a house is worth hundreds of thousands, millions, if not millions, and that it could be a lifetime savings for every chinese person, or a chinese family, so it's a big deal for us. For starters, when they have plans to buy a house, they have to be ready, and today's article is designed to teach white players some of the steps in the process of buying a house。
I. Clarifying eligibility for house purchase
In accordance with the current national real estate policy, it is necessary to first know whether you are eligible to buy a house, which differs from one country to another, and to determine where you want to buy a house and then find the relevant information。
Identification of the source of the house purchased
In accordance with their own needs, the source of the house they have purchased is determined by means of screening factors such as location, price, school district, interlocking, etc. The selection process must take into account not only the ability of the developer, but also the type of household, community quality, property qualifications, etc。
The first option for buying housing is geographical location, with the first choice being a mature area, followed by a near-orbit house, and finally a policy-oriented area, where the later stage of the policy-owned environment and traffic packages may be significantly improved。
Payment of a down payment or a down payment
After determining the source of the purchased house, a certain amount of down payment or deposit is required. At this point in time, care is taken as to whether the down payment is a down payment or a down payment, which is legally valid and, if the breaching buyer is unable to recover the down payment, the developer is required to double the down payment if the breach is committed. The down payment, on the other hand, is not expressly stated in law as generally indicating a certain advance payment and there is no breach of contract compensation。
If the source of the dwelling has been identified, a down payment can be made within a certain period of time after a down payment has been made. If the opening has not yet taken place, a down payment is made to qualify for the selection of the house on the day of the opening and the selection of the house is required on the day of opening。
Iv. Contracting for a house
The selection of suitable housing sources requires consultation during the term of the contract for the deposit to confirm the contract. The balance of the down payment was also paid, and the purchase contract was an important proof of the purchase of the house and the defence of rights。
When entering into a contract for the purchase of a dwelling, care is taken to see whether there are no blank clauses in the contract, whether the obligations and rights in the supplementary agreement are reciprocal, whether the liability and compensation for breach of contract are clearly stated, whether the date of delivery and the criteria for delivery are clear, and whether there are monopoly rights。
V. Processing housing loans
Housing loans are any form of loan support for home purchasers provided by banks and other financial institutions, usually on the basis of the house purchased as collateral. According to the source of the loan, it is divided into provident fund loans and commercial loans. The repayment pattern is divided into two types of equivalent principal interest and equivalent principal repayment。
The interest rate on housing loans is based on the bank's base rate for the same period, and the interest rate on loans by different banks has risen slightly。
Vi. Inspections
An inspection is a means of assessing the current state of the house during real estate transactions. An examination usually takes two to three hours, depending on the type and size of the house. A specialized examiner may be invited to inspect the house from the top to the bottom in accordance with the relevant industry standards, including the premises outside the room, the floor, the basement, the floors, the attic, the water and electricity facilities, as well as to operate the heater, the air conditioner, etc., and to submit a written report to the prospective owner。
In the course of the inspection, it is hoped that you will be able to follow up and discuss a number of issues in a timely manner and that you will present a number of knowledge about the maintenance of houses and methods of operating some of the equipment。
The main purpose of the examination is to provide the house with a medical examination to assess its current state and to give the prospective owner a comprehensive, objective, fair and accurate understanding of it, in order to help them make a clear and clear decision on the sale。
Vii. Residence
After a long waiting period, it was finally possible to take up a new house. Of course, if it is not a finished house, you will have to go through renovation exercises and finally wish everyone a house of satisfaction。
Source: encyclopedia of property
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