Do you pay a down payment or sign a contract before buying a house? What does it mean to reduce the

To buy a house, you should pay a down payment first, and then you can sign a contract after paying the down payment. The down payment is reduced to mean that the down payment is less, and the original down payment of 30% is now 20%.

Buying a house is generally done by paying a down payment and then signing a contract for the sale and purchase of the house. The down payment reduction refers to reducing the down payment ratio of home buyers who take out loans to buy houses, thereby lowering the threshold for borrowing money to buy houses and reducing the financial pressure on home buyers to make a down payment.

Generally, the down payment is paid after the contract is signed, and the down payment is reduced to mean that you can pay less down payment, for example, you originally paid 300,000 yuan, and after the decline, you will pay 200,000 yuan.

Sign the contract first and make the down payment later.

Generally speaking, the normal process of paying a down payment is after the buyer is optimistic about the house, and if the house meets the buyer's requirements, then the buyer can sign a purchase contract with the developer, otherwise the buyer can not sign the contract. If the buyer feels that the house as a whole is good, but there are some parts that need to be modified, and the developer agrees to the modification, remember to write the relevant content into the contract. Only after reading the content of the contract clearly, and then the two parties have reached an unanimous decision on the signing of the contract, the two parties sign the contract.

After the purchase contract is signed on the premise that both parties are willing to sign the purchase contract, the buyer can pay the down payment to the developer. Under normal circumstances, the down payment is paid according to the agreed proportion and amount in the contract, and there is no need to pay the amount agreed in the contract. If your financial strength is relatively strong, you can pay more appropriately, so that you can repay a lot less interest in the future, and the monthly repayment pressure will be much less.

Make a down payment and sign the contract later.

As far as home buyers are concerned, this is dangerous. What if the buyer pays the down payment to the developer without signing the contract, and the developer does not sign the contract, or if the developer's previous promise cannot be fulfilled? The money has been paid, and the buyer is out of the way.

In addition, if the down payment is made without signing the contract, if the contract with the developer cannot be signed in the end, and the buyer defaults due to various reasons, then the down payment will be given away in vain.

Ask for a ticket. After paying the down payment, the buyer must pay attention to asking for the down payment and various payment bills, and keep them. These bills must not be handwritten or irregular bills, and all expenses need to be formal receipts and invoices, so that in the end, if there is a dispute between the two parties, the buyer has a reason.

In addition, the purchase contract must also be collected, do not lose the purchase contract, it is a more troublesome thing to find the developer to reissue the contract, this truth is believed to have been known to those who have bought a house.

Generally, a down payment should be made first, or both. The bank receives the documents submitted by the buyer, and after the review confirms that the buyer meets the mortgage loan conditions, it will issue the buyer a notice of consent to the loan or a letter of commitment for the mortgage loan. The buyer can sign a purchase contract with the developer or other ** businessmen.

Legal basis] Article 1 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases Involving Disputes over Commercial Housing Sales Contracts.

The term "contract for the sale and purchase of commercial housing" as used in this Interpretation refers to a contract in which a real estate development enterprise (hereinafter collectively referred to as the seller) sells a house that has not yet been completed or has been completed to the public and transfers the ownership of the house to the buyer, and the buyer pays the price.

You need to make a down payment before you can sign a contract, otherwise there is no way to handle it, buying a house is a big deal to be optimistic about, don't worry.

The contract is the most detailed evidence of the two parties to the transaction on the content of the transaction, and the agreement between the two parties on the transaction is reflected by the contract, if only the down payment is paid and the contract is not signed, there will be a legal risk of unclear agreement. Buying a house is.

Pay the deposit first, and then check the purchase limit, pre-examination, face-to-face signing, and then pay the down payment and tax transfer after passing.

Pay down down before signing the contract.

After buying a house and drawing up a contract, discuss and communicate, and sign the contract for the down payment at the same time.

Legal Analysis: It is problematic to pay a down payment before signing a contract to buy a house. Buying a house is generally done by signing a purchase contract and then paying a down payment.

First of all, it depends on whether the developer has "five certificates", and secondly, it is necessary to use the standardized contract text, many developers will require buyers to sign a "Housing Purchase Agreement" before signing a formal pre-sale contract, and then pay a deposit. After signing the purchase contract, after the bank successfully disburses the loan, you can ask the developer for the purchase contract.

Legal basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases Involving Disputes over Commercial Housing Sales Contracts If the subscription agreement does not violate the mandatory provisions of laws and administrative regulations, and meets the effective conditions stipulated in the agreement, the agreement will take legal effect.

Legal Analysis: In general, the contract should be signed first, and then the down payment should be made. If the parties want to buy a house, they should first sign a house sale contract, and then pay the down payment to the first party in accordance with the contract, and the two parties have not signed the house sale contract, the buyer will pay the down payment on the house, and the first party accepts, it is deemed that the contract is established, in this case, the down payment is paid first, and then the house sale contract is signed.

Legal basis: Article 490 of the Civil Code of the People's Republic of China Where the parties conclude a contract in the form of a written contract, the contract shall be established when both parties sign, affix their seals or press their fingerprints. The contract is formed when one of the parties has fulfilled its primary obligations and the other party has accepted it before signing, stamping or fingerprinting.

When laws or administrative regulations stipulate or the parties agree that a contract shall be concluded in written form, and the parties do not use the written form but one party has performed its main obligations and the other party accepts it, the contract shall be established. Article 595:A sales contract is a contract in which the seller transfers ownership of the subject matter to the buyer and the buyer pays the price.

Legal analysis: It is unreasonable to pay the down payment first and then sign the purchase contract, generally signing the contract first and then paying the down payment.

Legal basis: Administrative Measures for the Sales of Commercial Housing

Article 16 When selling commercial housing, the real estate development enterprise and the recipient of the purchase of branches and ears shall enter into a written contract for the sale and purchase of commercial housing.

The contract for the sale and purchase of commercial housing shall specify the following main contents: Mengbib.

1) The name or name and address of the parties, (2) the basic condition of the commercial house, (3) the sales method of the quotient house, (4) the method of determining the price of the commodity and the total price, payment method, payment time, (5) the conditions and date of delivery and use, (6) the standard commitment of decoration and equipment.

Is it necessary to sign a contract or take out a loan first to buy a house?

Sign the contract first and then pay the down payment.

Generally speaking, if you choose to buy a house with a mortgage loan, you can pay the down payment to the real estate developer after signing the commercial housing sales contract (including the commercial housing pre-sale contract), and the developer will issue a down payment receipt. Then, the buyer can apply for a mortgage loan from the bank with the purchase contract, down payment receipt, etc.

When buying a new house, many people's focus is on the early stage of viewing and selecting a house, but when the contract is formally signed to pay, it is not attentive enough, resulting in various problems in the house later, and can only slowly file a lawsuit with the developer, therefore, I suggest that you should check these 4 things before signing the contract.

Sign the contract before buying a house, and sign the contract before you decide to pay the down payment and sign the contract, you must make sure that the documents of the project are complete, and you can ask to see these documents in its sales department

First, it is necessary to check whether the developer has a pre-sale permit for commercial housing, and with a pre-sale license, the developer usually also has a land use certificate, planning permit, construction project permit, etc. This is the key to whether you can get a real estate certificate when buying a house.

Second, it is necessary to use the standard housing sales contract text uniformly printed by the real estate management department, and fill in the clauses listed in the text one by one, and must not be sloppy. At present, Xi'an implements online signing for the record, but the contract is the same as the paper contract.

Third, pay attention to whether the rights and obligations in the content filled in by both parties in the contract terms are equal. Some developers have filled in the contract text in advance and even fill in the supplementary clauses by themselves, and most of the completed contract texts have unequal rights and obligations. Once this happens, the buyer must put forward his own opinion and must not act hastily.

Fourth, area confirmation and area difference treatment. If you choose to confirm the area and deal with the area difference based on the floor area of the suite, you should specify the method of handling the area error in the "Area Difference Treatment" clause. Fooling can only be avoided if there is a detailed agreement on the difference in area in the contract.

Fifth, we must pay attention to whether the payment method for housing sales is standardized. The amount, period, method and liability for breach of contract shall be stipulated in the contract. Some developers do not sign the contract first, but first ask the buyer to pay a certain amount of deposit, and only give the buyer a receipt, once a dispute occurs, it often causes the buyer to have difficulty in proving that he is responsible.

Sixth, we must check whether the delivery date is determined. It is common for developers to make a big fuss about the pre-sale contract, such as only indicating the completion date without indicating the delivery date; Use some vague language such as "after the installation of water and electricity, after the quality acceptance is qualified, and after the completion of the community support". In this regard, when signing the contract, the buyer must clearly stipulate the delivery date as "a certain year, a certain month, and a certain day", and indicate the responsibility of the developer who cannot deliver the house on time.

Seventh, when signing a contract for the sale and purchase of a house, it is best to ask a lawyer or expert to review the contract text for you from a legal point of view to reduce some unnecessary losses.

In addition, it should be noted that for the terms proposed by the developer that they think are unreasonable, they need to put forward their own amendments and negotiate, and the contract is the product of the agreement of the parties, and if the two parties cannot form an agreement, the contract cannot be established.

Content from the user: Educational Library.

Pay a down payment or sign a contract first to buy a house.

Chapter 1: I have paid the deposit and the down payment to buy the house The purchase contract has not been signed, and now I don't want to buy it, can I get the down payment back Chapter 1: What should I do if I don't want to buy it after paying the deposit to buy a house What should I do if I don't want to buy it after paying the deposit when I buy a house.

1. Can the deposit be refunded, and how can I get the deposit back? Article 115 of Part VI of the Judicial Interpretation of the Security Law of the People's Republic of China stipulates that if the parties agree to pay a deposit as a guarantee for the conclusion of the main contract, if the party paying the deposit refuses to conclude the main contract, it shall not be entitled to demand the return of the deposit; If the party receiving the deposit refuses to conclude the contract, it shall return double the deposit.

Article 4 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases Involving Disputes over Contracts for the Sale and Purchase of Commodity Housing stipulates that if the seller accepts a deposit from the buyer as a guarantee for the conclusion of the contract for the sale and purchase of commercial housing by means of subscription, order, reservation, etc., if the contract for the sale and purchase of commercial housing cannot be concluded due to the reasons of one of the parties, it shall be handled in accordance with the provisions of the law on the deposit; If the contract for the sale and purchase of commercial housing cannot be concluded due to reasons not attributable to both parties, the seller shall return the deposit to the buyer. What should I do if I don't want to buy after I pay a deposit to buy a house, what should I do if I don't want to buy after signing the real estate contract, and how to compensate for the breach of contract of the buyer's real estate?

1. What should I do if I don't want to buy after signing the real estate contract? Article 60 of the Contract Law stipulates that the parties shall fully perform their obligations in accordance with the agreement. The parties shall follow the principle of good faith, according to the nature and purpose of the contract and the transaction customs.

The normal sequence is to sign the contract first, and then make the down payment. However, if the developer does not require a down payment and you are not willing to give up the purchase of the house, then you can only go to the construction committee hall to consult the developer's qualifications and other relevant content, if it is safe and reliable, you can also pay first.

Sign the contract first and then pay the down payment. It's all done like this, rest assured, KFS doesn't dare to make a fuss about the contract,

It can be carried out at the same time, on the so-called one-hand payment and one-hand delivery, the amount of cash for the down payment is not large, you can bring it to the sales department, and the contract can be signed and then give him the money to remember to issue an invoice.

The normal procedure is to sign the contract first and make the payment. If the developer is reputable, you can pay in advance before signing the contract.

Home Mortgage Loan Process:

1. Choose a property.

If you want to get a mortgage on your home, you should focus on this aspect when choosing a property.

2. Apply for mortgage loans.

After confirming that the property you choose is supported by a bank mortgage, the buyer should ask the bank or the law firm designated by the bank about the bank's regulations on the buyer to obtain mortgage loan support, prepare relevant legal documents, and fill in the "Mortgage Loan Application".

3. Bank review.

After the bank accepts the buyer's loan application, it shall conduct a qualification review of the buyer in terms of the qualifications of the civil subject, credit status, repayment ability, etc., to confirm whether the prescribed conditions are met. If the buyer blindly signs a house purchase contract with the developer without obtaining the bank's mortgage loan support confirmation, he will not be able to obtain the mortgage loan when he does not meet the bank's conditions, which will cause passivity outside the funds and be forced to choose other payment methods, thus affecting his own financial arrangements, or even giving up the purchase of the house, resulting in the loss of the deposit.

4. Sign the purchase contract.

After receiving the mortgage application and relevant legal documents submitted by the buyer, the bank 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 for the mortgage loan.

5. Sign the mortgage contract.

After signing the house purchase contract and obtaining the proof of payment, the buyer shall sign the "Building Mortgage Loan Contract" with the developer and the bank with the relevant legal documents stipulated by the bank, specifying the mortgage loan amount, term, interest rate, repayment method and other rights and obligations.

6. Handle mortgage registration and insurance.

Buyers, developers and banks should go through the mortgage registration and filing procedures with the real estate management department with the "Building Mortgage Loan Contract" and the house purchase contract. For off-plan properties, the mortgage registration should be changed after completion.

7. Open a special repayment account.

After signing the "Building Mortgage Loan Contract", the home buyer shall, according to the contract, open a special repayment account at the financial institution designated by the bank, and sign a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account.

Buying a house refers to the purchase of commercial housing from real estate developers or other development units, or the purchase of second-hand housing from other property owners, obtaining detailed information about the house through advertising, and then deciding to buy after comparison. Channels for obtaining property information include outdoor advertising, newspaper advertising, online advertising, friend introductions, etc.