The process and precautions for buying a house in full

Verify whether the property rights are clear, verify the condition of the house, clarify the transaction procedures, and clarify the liability for breach of contract.

After confirming that the property selected by the buyer has been supported by the bank's mortgage, the buyer should learn about the bank's regulations on the buyer's mortgage loan support from the bank or the law firm designated by the bank, prepare relevant legal documents, and fill in the "Mortgage Loan Application".

After receiving the relevant legal documents of the mortgage application submitted by the buyer, the bank that signed the purchase contract will issue a notice of consent to the loan or a letter of commitment for the mortgage loan to the buyer after reviewing and confirming that the buyer meets the conditions of the mortgage loan. Buyers can sign the "Commercial Housing Pre-sale and Sales Contract" with the developer or its ** businessman.

Advantages of the full paragraph: 1. **Discount.

One of the major advantages of buying a house in full is that it is a discount, usually, in order to encourage the purchase of a house in full, the developer will provide a discount for paying the full amount, if the total amount of the house is large, you can save a lot of money at once. Therefore, it is a good option to pay the full amount if possible.

2. The process is simpler.

Another advantage of buying a house in full is that the process is simpler. Buyers who buy a house in full sign a purchase contract directly with the real estate developer, which is a simpler process than a loan to buy a house, avoiding many things in the process of buying a house. For example, a series of troublesome things such as providing proof in handling bank loans.

Advantages of buying a house in full:

1. The total cost is low.

Buying a house in full is cheaper than buying a house with a loan, although it sounds like it costs a lot of money at once, but from the total amount of money, it is actually cheaper than buying a house with a loan, because it can be exempted from various handling fees, bank interest, etc. Moreover, if you buy a house in full, you can directly sign a purchase contract with the developer, which saves time and convenience, and also saves time and energy in dealing with the bank.

2. The transfer is easy to sell.

If you want to sell the house, you will not have the property ownership certificate because the loan to buy the house has not been repaid, and at the same time, it will be subject to some constraints, which is not conducive to the change of the house; On the contrary, the property ownership certificate and other formalities for a one-time payment to buy a house are readily available, and if there is a house price**, you can quickly turn it into cash, or you can mortgage the house when you need money urgently.

3. There is no pressure in the later stage.

There is no financial pressure to pay in full for the future because the buyer can no longer worry about the payment and calmly arrange future financial plans. At the same time, it also saves time, and does not have to carry out any credit authentication.

4. The quality of life will be improved.

You don't have to pay monthly payments to buy a house with a one-time payment, which reduces financial pressure and allows you to do something according to your wishes.

Disadvantages of buying a house in full:

1. High economic pressure.

If you don't have enough money, the financial pressure to buy a house in full can be very high, which may affect other aspects of your expenses.

2. There is a risk and no guarantee.

If there is a phenomenon such as unfinished real estate, delayed delivery, and the developer running away, the one-time payment to buy the house will put the buyer at risk. If you have already paid the developer for the property, there is no guarantee at all. This is also the most important aspect to consider for one-time payments.

What should I pay attention to when buying a house in full?

1. Pay attention to the exemption situation.

It should be clearly stipulated in the contract that if the loan is not successful, the contract must be terminated unconditionally and the full deposit and the paid housing price will be returned.

2. Pay attention to clarify the processing time of the property right certificate.

It is necessary to clearly stipulate the specific time for the handling of the property right certificate, and at the same time to stipulate the liability for breach of contract if the property right certificate cannot be delivered on time.

1. First of all, you need to clarify your own qualifications for buying a house, determine the area of purchase according to your own funds, and select a few favorite real estate.

2. On-the-spot viewing, understanding the real estate information for the favorite real estate project, you can make a preliminary understanding of the supporting facilities when looking at the house, the supporting facilities of the off-plan real estate, and look at the sand table to understand the information of the real estate.

3. Row numbers and select rooms. At the time of the opening, the developer selects the house according to certain rules.

4. When submitting the materials for the qualification review of the house purchase, subscribing for the house and preparing to sign the subscription letter, you need to prepare the materials for the qualification review of the house purchase and hand them over to the developer. Then you need to pay a certain amount of deposit, and the proportion of the deposit shall not exceed 20% of the total price specified in the contract.

5. Sign online and sign the contract. After the qualification of paying for the house is approved, the online signature can be signed immediately, and then the paper version of the house purchase contract needs to be signed. Buy a house in full and pay for the house, and the invoices received need to be put away, and they need to be used when paying taxes.

6. Buyers need to wait for the developer to notify them of receiving the house. Buyers need to pay attention to the time of receiving, carefully check every detail of the house during the house inspection, and check the "three certificates, one book and one table".

7. To pay taxes and other fees, buyers who purchase the house in full can go to the local taxation bureau to handle the tax payment business with the purchase invoice and the invoice for the difference in the measured area.

8. Apply for real estate ownership certificates.

3. Check the purchase contract in detail.

4.Clear liability for breach of contract: and the seller should be clear and strict liability for breach of contract, which is the guarantee for both parties to perform the second-hand housing sales contract in good faith.

In practice, a small deposit penalty or a simple "the breaching party shall bear the losses of the non-breaching party" lacks practical effect. When housing prices fluctuate, funds are insufficient, tax reforms occur, etc., it is common for one party to delay or refuse to perform the contract. Some buyers who believe that the house price is too high or do not want to pay the transfer tax after signing the contract will delay the transfer procedures, resulting in the seller being unable to receive the balance in time after handing over the house, and some sellers will find that the house price has soared, and claim that the sales contract without the consent of the other co-owners is invalid and require the buyer to move out.

When buying a second-hand house, check the following parts clearly, and there are unlikely to be major problems.

1. Verify whether the property right is clear: the seller must be the owner of the house, and it can be verified by checking the property right certificate and the property owner's ID card to confirm that it is correct.

2. Verify the condition of the house: when looking at the house, start from the following aspects: the status of the house, the status of the housing community, and the right to the house. The verification of these circumstances will help you control the actual costs and risks of trading.

3. Clarify the transaction procedure: the second-hand housing transaction can be divided into several steps: viewing, signing, giving the down payment at a clear time according to the contract, transferring, handing over the house, and giving the balance. These steps need to be noted:

Keep the evidence of the transaction, the transfer must be on the real estate certificate before the transfer can be made, and check whether the other party has paid the property fees, water, electricity and gas fees when handing over the house.

4. Clear liability for breach of contract: The seller should clarify and strictly enforce the liability for breach of contract, which is the guarantee for both parties to perform the second-hand housing sales contract in good faith. In practice, a small deposit penalty or a simple "the breaching party shall bear the losses of the non-breaching party" lacks practical effect.

When housing prices fluctuate, funds are insufficient, tax reforms occur, etc., one party delays or refuses to perform the contract from time to time. If the buyer thinks that the house price is too high or does not want to pay the transfer tax after signing the contract, he will delay the transfer procedures, resulting in the seller being unable to receive the balance in time after handing over the house; Some sellers found that the price of the property had soared, and they claimed that the sales contract without the consent of the other co-owners was invalid and asked the buyer to move out.

You don't need any information to buy a house in full. Have an ID card, household registration book, and if it is a family unit, you must have a marriage certificate!

The materials required for the transfer of real estate are as follows: the identity certificate of the buyer and the seller, the certificate of ownership, the household register, the marriage certificate, the certificate of no house, the sales contract, the approval form for the transfer of ownership, and the appraisal report.

Precautions: 1. Be wary of false advertisements by developers.

Second, see the qualifications of the developer.

3. Check the purchase contract in detail.

1. Pay a deposit to see the house.

After you decide to buy a good house, you can pay a deposit. The existence of a deposit for the purchase of a house is like a booking process, and you don't have to worry about others buying first. Buyers should pay attention to whether it is a deposit or a deposit, of which the deposit is legally valid, if the contract is violated, the buyer will not get the deposit back, and the developer needs to return the deposit twice if the contract is violated, and the deposit is not expressly stipulated in the law.

2. Sign the purchase contract.

Signing a purchase contract is a very crucial step in the process of buying a house, because the contents of the purchase contract signed by the buyer are binding on both the buyer and the seller. Now the contract is generally signed online, and after the online signing, the paper version of the contract is in duplicate, and the house is officially decided.

3. Pay for the room.

After paying the deposit, the developer will make an appointment with you to pay for the house, so please remember to get the receipt after paying the price.

4. Inspect and collect the house.

When inspecting the house, you should carefully check every detail of the house and check the "three certificates, one book and one table". If the developer can't produce these documents, he can directly refuse to take over the house.

Note: The three books in the "Three Certificates, One Book and One Table" refer to the "Residential Quality Assurance Certificate", "Residential Instruction Manual" and "Construction Engineering Quality Certificate"; The first certificate refers to the "Comprehensive Acceptance Certificate for the Completion of Real Estate Development and Construction Projects"; The first form refers to the "Completion Acceptance Record Form".

5. Pay taxes and fees.

After receiving the house, the full-paid buyer can go to the local taxation bureau to handle the tax payment business with the purchase invoice and the invoice for the difference in the measured area (if the off-plan house is purchased and there is an area difference, there will be). Generally speaking, commercial housing needs to pay deed tax and public maintenance**, and then pay property fees, heating fees, parking space fees, etc.

6. Apply for real estate certificate.

If you buy a house in full, you can choose to do it yourself, or hand it over to the developer. Under normal circumstances, the processing speed of self-run housing is faster than that of the developer, and the developer will generally hand it over to a third-party agency to handle it, and a certain fee will be charged.