The process ranges from room selection to down payment, to acceptance and final processing. It is believed that even those who have purchased a house once do not necessarily have a clear understanding and understanding of the process and the costs to be paid. I'll introduce you to the young writer。
Step one: down payment, signature
One, look carefully
Choose the house, deliver it. The chamber of commerce advises on the time of signing the contract. In entering into a contract, it must first be made clear and signed by the developer that the contract text is the one printed by the land resources and housing authority, and that it must be ascertained whether the person signing on behalf of the developer is its legal person or, if not, whether it is authorized to do so”. A contract must be concluded with a careful reading of the text of the contract, confirming the content of the contract between the parties and, if it is not reflected in the content contract of interest to you, a supplementary agreement or special agreement with the developer。
2. Don't forget to check two books when entering into a house purchase contract
At the same time as signing a contract, the developer is required to provide a “house quality” and a “house use note” to facilitate the smooth use of the property and its equipment on delivery, as well as a pass for maintenance services provided by the developer。
3. Payment of down payment is still due
Once the contract for the purchase of the house has been concluded, it is important not to forget that the down payment is accompanied by a stamp duty: 0. 5 per 1,000 of the total house price。
Step 2: purchase of premises, payment of related costs
1. Selection of appropriate lending modalities
Following the conclusion of a good contract for the purchase of a house, the purchase of a loan was followed by the choice of a suitable loan. Business loans, as well as portfolio loans, will be introduced below to allow for the choice of appropriate loan modalities。
1 loan rates are lower than commercial rates. In comparison, housing loans over a five-year period (including five years) are 1. 17 per cent lower per annum than commercial loans, and housing loans over five years are 0. 99 per cent lower per annum. If the loan is capped (currently the loan ceiling is 300,000 yuan), the difference is still large, with a difference of about 2,000 over a year; for a 15-year period, the difference is around 340,000 yuan。
2 provident fund loan down payment is 10 per cent lower than commercial loan down payment. The highest commercial loan is currently 80 per cent, i. E. The purchaser is required to pay at least 20 per cent of the total house price as a down payment, while the housing capital loan can be up to 90 per cent, and the purchaser can apply for 90 per cent of the house price and 10 per cent of the down payment。
Loan insurance is different. Commercial loans require only housing insurance, while housing equity loans are required to cover life insurance if they do not choose to be guaranteed by a guarantee centre, while housing insurance is purchased voluntarily. As a result of life insurance, under the contract with the insurance, the loan will be repaid by the insurance company in the event of death or total disability due to illness or accident; in addition, if the lender is unemployed for more than one year and is unable to repay the loan, the insurance company will repay the principal of the loan for the period during which the loan is paid. Upon completion of the mortgage registration, the life insurance contract can also be cancelled and the insurance company can return the insurance premiums。
The procedures for spf loans are more complex than commercial loans。
In addition, there is a combination of loans, which can be applied for both commercial loans and the provident fund loan at the same time when the amount of the loan that the purchaser needs to apply for is larger. As a result, both the strengths and weaknesses of hpf loans and business loans are available。
2. Costs of processing loans
After the loan has been chosen, the purchaser can go to the relevant department to process the loan, which is accompanied by the following fees:
1: 3 per 1,000 of the loan amount requested. (a) for those less than 100 dollars, at 100 dollars; and for those dealing with loans from the housing provident fund, there is no charge for a lawyer; in the case of portfolio loans, the commercial loan component is charged at 3 per 1,000。
2 fees: if a notary is required for the purchase of a dwelling, a percentage of the notary fee is payable, which is usually between $200 and $400, or charged at the notary's rate。
3 premiums: these are in two forms and are generally in the form of collateral and security。
A. Mortgage plus joint and several liability guarantee: insurance = x conversion present value factor for the x-year insurance rate
B. The combination of mortgage and house purchase insurance is composed of two components: home insurance = loan amount x rate of insurance x present value factor; personal insurance = loan amount x (primary insurance rate x)。
It should be noted here that lawyers ' fees and notarial fees are not an obligatory expense, but because of the complexity of the procedure, most buyers entrust development firms, law firms or other intermediaries. If no commissioning or notarization is required, the two costs are not payable。
Step 3: check-in and conclusion of property management conventions
One, bring the data for the reception
The receipt of the developer's entry order marked the start of the owner's building. The check-in notice generally indicates the time, location, information required and the cost of the receipt. If you are in the field and you do not have enough time to check in yourself, you must appoint a trusted client to sign all the relevant documents for your residence。
2. Signing of the property management convention
The property management convention is the standard for the rights and obligations you will enjoy in your future residential life. You should know exactly what service standards property provides. It is important that property management companies be clear and clear as to what aspects are involved in future property management fees, and how cleaning, security and greening fees are approved. Also, it is better to look at the qualifications of the small area property management company, which does not have the required management standards, so as not to cause unnecessary problems in future management。
3. Counting the area and signing the house survey
The amount of the area to be shared by the property you buy shall be determined by the developer in the form of a completion test form from the housing and land administration or the district department’s immediate mapping team。
4. Payment of heating and property management fees
Of course, you have to pay a fee while you are staying。
Property management fees: general property management companies charge one year's property management fees。
2 heating: the heating is provided in different ways in sub-districts and the heating costs are different。
Step four: property titling evidence
1. Costs to be paid in advance
Once all the formalities have been completed, the chamber of commerce will inform you that your house will be public. If you do not pay this fee, your legitimate rights will not be preserved. Even if you can’t trust the developer, you must realize that the public maintenance fund, which accounts for 2% of the total housing stock, is only collected by the developer on behalf of the government。
Finally, it is time to obtain a title to the house, and the costs to be paid by the buyer at this stage are as follows:
1: after 1 july 2002, houses with a building area of less than 120 square metres were purchased and paid at 1. 5 per cent of the total house price; houses with a building area of more than 120 square metres were purchased, and at the time of the tax payment, more than 120 square metres were paid at 3 per cent and less than 120 square metres were still paid at 1. 5 per cent。
2 common branch facilities maintenance fund: paid at 2 per cent of the total house price, until the establishment of the owners ' committee, managed by the owners ' committee。
Registration fee for home ownership: 80 yuan per house。
4 house title certificate: $4 each。
5 stamped tax: $5 per piece。
This is the relevant knowledge you have compiled for this group, and we believe that you already have a general understanding of it。
