Buying a house is a very important thing for most families. Especially for those who buy a house for the first time, there is no doubt that they are helpless and distraught, either because they are afraid of losing their jobs or because of the complexity of the procedures。
However, there is no hurry. There is a detailed procedure for buying a house, and as long as it follows a step-by-step approach, there is no mistake。
I. Premises
Before buying a house, there is a need to understand the policy of buying a house, to determine the budget and to understand the larger tasks in the area。
1. To know whether the purchase policy is eligible and conditional for the purchase of the house in order to avoid the risk of being rendered useless by failing to meet the requirements for the purchase of the house。
2. Determination of the budget. To comb out the funds that you can use and determine the budget that can be used to buy a house. What is required is to know in advance how much you can lend in your provident fund account。
3. Understanding the zone. Based on the need to work, live, attend school and so forth, a comprehensive determination is made of which section to buy a house。
Four, a handroom or a used room? Although houses are bought, the process of buying them varies slightly and the focus is different。
All four are ready to go to the specific stage of buying a house。
Ii
Room
In the case of the purchase of a hand-held room, the house is visited directly at the site where the new building is sold, the advance permit for the house is generally hanged。
The five certificates we have said are complete, and the first four are complete and can be seen without a pre-sale permit. Of course, the specific sales building number on the pre-sale certificate is consistent, and the document is expired, etc., and should be scrutinized。
The sale of new houses is generally in the construction phase and is based only on model rooms, which must be visited on site if they have been completed or become active。
The house is to be actually occupied in it, light in the specific location, ventilation, vision, etc., and can only be felt in the actual house。
Second, buyers should check online for the development of business qualifications to check whether the selected houses have been mortgaged or seized。
In the case of second-hand houses, it is necessary, on the one hand, to see the house on the ground, to check whether it has cracks, leaks, etc., and, on the other hand, to check the house's title certificate, whether it is himself, whether the house is mortgaged, sealed, etc。
If the selected housing is sold on behalf of a real estate broker, it should be known whether the company has real estate brokerage qualifications, etc。
Introduction
If you look at the house, you talk about the price, you sign the subscription。
The subscription is an appointment contract for the purchase and sale of a commodity house and is an independent contract. It should be noted that there is a distinction between “down payments” and “down payments” in the contract of purchase. The word “subscribe” merely indicates the intention that a contract may be terminated and that a fixed “sub down payment” may not be refunded if the buyer reverses the contract。
Second, the purchaser depends on whether the purchase order guarantees fairness. The contents of the requisition typically include:
Basics of the parties; basics of the house (including the location, size, etc.); calculation of the price; time limits for signing the contract。
It is important to see whether it violates the principles of equality and equity。
Finally, the payment must be made to the supervisory account. The purchaser shall pay for the house to the bank-monitored account designated in the commodity house pre-sale licence and not directly to the developer or intermediary。
Payments
The specific form of payment may be a one-time payment or a bank mortgage, the details of which are determined by mutual agreement。
First payment: at the time of signing the requisition, there will be a statement that the first payment will be made within the specified time and how much will be paid? It depends on whether you're the first or the second。
In general, the down payment is 30 per cent for the first suite and 40 per cent for the second suite, for example, a total cost of $1 million for the first set, and 300,000 for the first set. There are, however, individual building blocks, with a 20% down payment
Full payment: it is also good to be able to make full payment, and the discount on full payment is the largest and can be processed directly on the campus。
Disbursements: there is also a relatively special instalment, which is a preferential policy for the building itself, depending on how it works。
V. Signature of a contract for the purchase of housing
Following the completion of the above process, a formal contract for the purchase of a house, commonly known as a green leather contract, was signed with a developer or agent. Since the page on the contract was the bottomline of the local property administration, all the contents of the contract except for those signed by the parties were mechanical. Very few places are handwritten。
In any event, however, the contractor's own contract was not counted, at least indicating that the procedures for the building were problematic。
Of course, the purchase of second-hand rooms is nothing special, and contracts generally follow the format offered by intermediaries。
Vi. Conclusion of conclusion
Don't think you just have to pay for the house
Tax: general housing up to 90 square metres, which is the sole home of the family, reduced by the 1 per cent tax rate, between 90 and 144 flat general housing by 1. 5 per cent, more than 3 per cent of 144 flat and 3 per cent of non-residential housing. In general, the tax will be paid with the down payment and the developer will collect it。
Stamp duty: payment is made directly at the time of the conclusion of the contract, at 0. 05 per cent of the gross house price, usually together with a down payment。
Bank mortgage costs: including mortgage registration fees ($80/household), royalties tax ($5/household), insurance premiums。
Housing maintenance fund: the housing public maintenance fund is about tens of dollars per square metre and varies from place to place。
Property management fee: from the date of receipt of the house to the date of acceptance by the purchaser
Right-of-title billing: 80 yuan/set. The right-of-title registration fee is the cost of processing the property certificate。
Vii. Intake
Receiving and inspection is also an important matter for the quality of the house, and the developer is required to provide two books, the residential use note and the residential quality assurance certificate, which specify the time limits for warranty of the various rooms and, in the event of problems, for free maintenance。
Viii. Renovation and occupancy
It'd be nice to do it the way you like it, but just think about your financial situation。
Processing of real estate certificates
And finally, with this red book, the house is really yours。
I hope all home buyers don't turn around and buy the ideal home
