How do I pay for off plan housing? The payment process for the purchase of off plan properties

The payment method for off-plan housing can be as follows:

1. Down payment ratio: Generally speaking, the first home buyer can choose the minimum proportion of the down payment or higher according to his personal economic strength, the general down payment is 20%-30% of the full amount, etc., if the down payment pressure is greater, you can choose the minimum proportion to pay, and the balance is supplemented by provident fund loans or commercial loans.

2. Pay the monthly payment: After the loan, wait until the bank disburses the loan, then start to pay the monthly payment from the date of the loan, and the monthly payment amount of the provident fund loan can be adjusted, find the corresponding **, change it one month in advance, and pay the amount next month. The monthly payment is related to the bank interest rate, remember to adjust the monthly payment at the beginning of each year according to the interest rate.

3. Full purchase: off-plan housing can also be paid in full, as long as there is economic strength, after payment, wait for the developer to notify the receipt of the house, the disadvantage of full purchase is that the amount of expenditure is larger, but the advantage is that you do not need to be a house slave and pay interest to the bank, in general, 1 million houses, interest is about 200,000.

4. When the off-plan house is received, the corresponding purchase contract is signed, and the contract and purchase invoice are used to prove that the house has been bought, and the house is generally received within 1 year or so.

I'm in real estate:: Have you officially signed a contract, you can change the payment method before that, it is not a breach of contract.

Not every developer allows installments, at least in Beijing, which has been gradually eliminated. At present, it is common to use lump sum payments, bank loans, and provident fund loans. The above three ways can allow the developer to get the full payment within a fixed period, and the installment refers to the first part of the house (generally 30 -50) when the house is sold in the foundation state, and then pay a part of the cap, and pay off the final balance of the house, so that the developer not only pays back slowly but also can't collect your interest, and because of the high risk in the early stage, it is better not to sell it to you.

In addition, no matter when you subscribe, you can only sign a formal purchase contract when you have all the documents. If you don't need money on a regular basis, and the one-time discount is appealing, it's a one-time payment. If you are a businessman, even if you have enough money, you will generally consider taking out a loan.

Because there is a certain risk of off-plan housing, it is cheap, and it does not matter which payment method, the important thing is whether the real estate developer you choose is formal, and his qualifications and strength.

Good luck with your trading

First of all, a part of the deposit should be paid, and secondly, a down payment needs to be paid, and after the formalities, you only need to pay the installment payment according to the time agreed in the contract.

Legal basis: Article 35 of the Administrative Measures of the People's Republic of China for the Sales of Commodity Housing: After the delivery of the commercial housing, if the buyer believes that the quality of the main structure is unqualified, it may entrust the engineering quality inspection agency to re-verify it in accordance with the relevant regulations.

If the quality of the main structure is found to be unsatisfactory after verification, the buyer has the right to move out; If losses are caused to the buyer, the real estate development enterprise shall be liable for compensation in accordance with law.

Summary. The first is a one-time full payment, that is, 95 of the house price will be paid within a certain period of time after the two parties sign the sales contract, and the remaining 5 will be paid at the time of delivery.

The second is installment payment, which is generally to pay the progress of the project after the down payment is paid, and pay off the full payment after the delivery of the house.

How do I pay for off-plan housing?

The first is a one-time full payment, that is, 95 of the house price will be paid within a certain period of time after the two parties sign the sales contract, and the remaining 5 will be paid at the time of delivery.

The second is installment payment, which is generally to pay the progress of the project after the down payment is paid, and pay off the full payment after the delivery of the house.

1. The buyer shall pay the house price according to the agreed period.

2. If there is no agreement on the payment period of the house payment or the agreement is not clear, and it cannot be determined as usual, the buyer should pay together after receiving the subject matter or extracting the subject matter documents.

3. After the contract comes into effect, if the parties do not make an appointment or the agreement is not clear according to the quality of the house, the remuneration or the implementation address, etc., they can make up for it by agreement.

4. If no compensation agreement cannot be reached, then it should be determined in accordance with the relevant terms of the contract or the sales custom.

5. The off-plan house bought according to the above rules should be paid according to the term of the signed contract.

How to pay for the full purchase of off-plan property.

First of all, to buy off-plan housing in full, it is not that you need to pay off the house in full at one time, but after reaching an agreement, the two parties sign a purchase agreement, the contract will stipulate that 95% of the house price will be paid within a certain period of time, this time is generally two months, and the remaining 5% of the house payment will be paid in a lump sum, and after paying off the remaining 5% of the house payment, you can take the materials and receipts to the real estate bureau to apply for the real estate certificate.

Precautions for buying off-plan property in full.

First, we must first determine whether the developer has "five certificates".

The "five complete certificates" are real estate development certificates, state-owned land use certificates, engineering development licenses, construction project planning permits and commodity sales.

Second: a formal and qualified contract.

When signing a contract, be sure to check the contract carefully or ask a professional lawyer to check the contract to see if there are loopholes in the contract to prevent disputes in the future.

Third: Check all the documents of the commercial house.

Before buying a house, you must check the developer's sales license, and buy an existing house to see if there is a big certificate for the house and the "New Residential Delivery and Use Permit".

Fourth: Buying off-plan property is to pay attention to the residential area on the contract.

In the contract, the residential area must be written, but also the area of the suite and the shared area.

Fifth: buy off-plan property to pretend to be a round to agree on the delivery conditions and time.

There are two kinds of delivery: one is the real-time delivery of the right to use the house and the other is the transfer of property rights of the house.

Sixth: When signing the contract, confirm the quality of the house.

Before signing the contract, it must be based on the "Commodity Housing Residential Quality Assurance Certificate" and "Residential Instruction Manual".

Seventh, pay attention to the content of the supplementary agreement in the contract text.

It is necessary to carefully review the content of the supplementary agreement to ensure that there is no unfair agreement in it and protect its own rights and interests.

Eighth: Pay attention to the liability for breach of contract.

Summary. Hello dear, when buying off-plan property, the payment method is usually according to the installment payment plan agreed in the contract. Under normal circumstances, the buyer needs to pay a certain proportion of the down payment when signing the purchase contract, and the remaining payment will be gradually required by the developer to pay the buyer according to the time node agreed in the contract.

Here are some tips on how to pay for off-plan properties: First, buyers should read the purchase contract carefully to understand the various payment nodes and payment methods. If you are financially able, it is advisable to make as much down payment as possible, which can reduce the stress of borrowing and reduce the interest expense of the loan.

In the event of uncertainty about the future income of future homebuyers in the long term, it is safer to choose a more flexible payment method, such as "partial instalment" or "lump sum payment at maturity", which can better control the risk. When buying off-plan property, you should also pay attention to confirming the specific time of each payment node so that the payment can be completed within the agreed time. In conclusion, choosing the right off-plan payment method needs to be considered comprehensively based on your own financial situation and future income expectations.

Hello dear, when buying off-plan property, the payment method is usually according to the installment payment plan agreed in the contract. Under normal circumstances, the buyer needs to pay a certain down payment ratio when signing the purchase contract, and the remaining payment will be gradually required to be paid by the developer according to the time node agreed in the grinding contract. Here are some suggestions for off-plan payment options:

First of all, the buyer should carefully read the purchase contract and understand the agreement on the various payment nodes and payment methods. If your financial conditions allow, it is recommended to make as much down payment as possible, which can reduce the loan stress and reduce the loan interest expense. In the event of uncertainty about the future income of future homebuyers in the long term, it is safer to choose a more flexible payment method, such as "partial instalment" or "lump sum payment at maturity", which can better control the risk.

When buying off-plan property, you should also pay attention to confirming the specific time of each payment node so that the payment can be completed within the agreed time. In conclusion, choosing the right off-plan payment method needs to be considered comprehensively based on your own financial situation and future income expectations. Hope it helps.

The house will be handed over at the end of next year, and a part of the provident fund will be used, how to pay the most cost-effective?

If you plan to use your CPF to pay for your down payment, we recommend that you apply for a loan as early as possible and start making contributions. This will ensure that you have enough time to pay off your initial payment gradually. Hope it helps.

Hello, the payment process of off-plan housing: 1. Pay the deposit and sign the subscription contract; 2. Submit information to the developer, you need information: ID card, household registration book, marriage certificate (one-time payment can be written even if you are married, you can write a person's name); 3. Pay the balance payment and sign the purchase contract; 4. The contract is signed, the balance is paid, and the developer can give a receipt.