The whole process of buying a house is detailed, and the process of buying a house is detailed

The whole detailed process of buying a house:

One: look at the building. First of all, buyers should go to the site to see the property, focusing on whether the property is eligible for pre-sale.

In the process of checking whether the real estate has pre-sale qualifications, the focus is to check the pre-sale certificate of the commercial housing, such as whether the real estate does not have a pre-sale certificate to publicly carry out internal subscription, whether the pre-sale certificate is hung in a conspicuous place in the sales department, whether the pre-sale certificate has expired, etc. In terms of the quality of the house, it is recommended to go to the site to check whether there are any problems such as wall cracks, water leakage, water seepage, cutting corners, and pipe leakage.

Secondly, buyers should check the developer's qualifications online to check whether the house they purchased has been mortgaged or sealed. If the purchased housing is sold by a real estate agency**, you should find out whether the company has real estate agency qualifications.

Step 2: Buy a house.

First of all, buyers should be careful about signing the subscription form. The subscription letter is an advance contract for the sale and purchase of commercial housing, and it is an independent contract. Signing a subscription letter often leads to a series of disputes, which are manifested in the fact that the buyer wants to recover the deposit, but the developer does not necessarily return it.

Therefore, in order to avoid too much trouble, when the buyer decides to buy a house, he can ask the developer to see the sample of the formal contract, and then sign the subscription letter when he feels that the formal contract is acceptable, so as to avoid imprisonment.

Secondly, the buyer needs to see whether the subscription letter can guarantee fairness. The contents of the subscription letter generally include: the basic information of both parties; Basic information of the house (including the location, area and other basic information of the house); **Compute; The time limit for signing the deed is stipulated.

Everyone should see whether the content violates the principles of equality and fairness.

Finally, the payment must be made to the monitoring account. The buyer should pay the house payment to the bank monitoring account designated in the "Commercial Housing Pre-sale Permit", and do not directly hand it over to the developer or intermediary. The payment can be made in a lump sum or in installments, and the specific installment can be agreed by both parties.

For example, the buyer can keep 15% of the house price, of which 10% can be paid before the seller delivers the use, and 5% of the house price can be paid when the pre-seller delivers the real estate certificate of the commercial house.

Process 3: Formal signing.

The text of the purchase contract in the standard form is not unchangeable, nor can it be added, deleted, or changed. Consumers have the right to carefully ponder the terms and conditions of the contract when signing the purchase contract, and to request changes if they are not satisfied with it. At the same time, buyers should also pay attention to the blanks to be filled in the standard contract, know how to fill in many details to protect their rights and interests, and stipulate the consequences that should be borne if the conditions are not met.

After confirming the house, sign a house sale contract with the seller.

The buyer should first look at the house, determine the house and sign the house sale contract with the seller, the parties bring their ID cards, household registration books and purchase contracts to the housing registration management department to submit materials, apply for registration, the housing registration management department needs to review and verify the materials submitted by the parties, and the housing registration management department will review the materials and issue the real estate certificate if it is true and legal, and meets the requirements.

When buying a house, you should pay attention to verifying the identity of the seller, checking the five certificates of the house, signing the deposit rules, determining the repayment method, signing the property management agreement, and clarifying the delivery date.

The details of the house buying process need to be carried out according to the house viewing, purchase, subscription stage, signing the purchase contract, loan payment and house inspection.

1. Viewing and purchasing. Nowadays, housing prices are generally quite high, so when the owner looks at the house, he must first evaluate his economic strength, and then choose the suitable location and house type. It should be noted that buying a house is a particularly cautious thing, so it is recommended to look at several neighborhoods, and then compare them and choose a house that is more suitable for you to buy.

2. Subscription stage. After the owner determines the house he wants to buy, the next step is to pay the deposit and sign the subscription contract, before that, you must think carefully, because after signing the contract, there is no way to return the deposit.

3. Sign the purchase contract. When signing the purchase contract, special attention should be paid to prevent falling into the trap of buying a house, especially whether the developer has applied for a pre-sale permit, otherwise once there is a problem, the owner will bear the corresponding risk. In addition, the contract should also specify the date of delivery, otherwise the developer should bear the corresponding liability for breach of contract.

4. Payment of loans. There are two ways to pay, one is the full payment, the other is the installment, generally the choice of full payment to buy a house will be more favorable, and can save a lot of mortgage procedures, but the owner needs to have enough financial ability. The installment requires the owner to pay a certain down payment, and then the installment, the procedure is more complicated, but it can reduce the pressure of the owner, and the owner can choose according to his actual situation.

5. Receiving and inspecting the house. Special attention needs to be paid to the inspection of the house, and once the problem is found, it should be reported to the developer immediately. In addition, it is also necessary to thoroughly check the completion acceptance certificate of the commercial house, and only after all the conditions are met can the house be delivered.

What are the details of the process of buying a house What is the process of buying a house.

What is the process of buying a house?

1. Take the record contract, and the signed house purchase contract will be filed by the developer to the real estate bureau, and a copy will be given to you after the case is filed. Estimated will be given to you in a week or so.

2. Wait for the bank** or SMS to inform you when to start repaying, sometimes the bank will forget, after half a month or so, call ** to the bank or go to the sales department to ask if your bandwidth has been put down, if it is put down, consult them when to start repayment. Generally, the bank will notify, and the phenomenon of different people is not ruled out, so pay attention to tracking.

3. After the above steps are done, you have nothing to do, just put the monthly payment into the card on time before the repayment date every month.

The above content is a relevant introduction to the details of the buying process and what the process of buying a house is, hoping to help friends in need. When buying a house, we need to understand the specific process and details, it is not clear that there is no way to successfully buy a house, and it is also a more complicated process.

What are the procedures and precautions for buying a house?

1. Evaluate the ability to buy a house: Before buying a house, buyers need to consider their own qualifications and estimate their economic strength to determine which areas they can buy a house.

2. Understand real estate knowledge: Understanding real estate knowledge can reduce the probability of being "fooled" by salespeople, and can also effectively help buyers understand the real situation of the house and the community.

3. Viewing and selecting houses: including inspecting whether the project sold by the developer has all five certificates; the building spacing, floor area ratio and greening rate of the building itself; The housing efficiency, lighting and ventilation, waterproof effect, and delivery standard of the house type; Whether the living facilities around the property are convenient, etc.

4. Sign the contract: After determining the house, you need to sign the contract, and the buyer needs to read the contract carefully when signing the purchase contract, write down the basic situation of the purchased commercial house and the project, determine the delivery time and conditions, and clarify the way to deal with planning changes and area differences.

5. Choose a payment method: There are two payment methods for buyers to choose from, one is to pay the full price of the house at one time, and the other is to take out a loan to buy a house.

6. Receiving and inspecting the house: If it is a purchase of off-plan housing, the buyer needs to wait for a period of time to accept the house, and when inspecting the house, the buyer needs to see whether the real estate meets the conditions for delivery, and whether the information and documents related to the delivery are complete. Secondly, the owner checks whether the house has defects, such as whether the walls and floors are flat and whether there are water stains; whether the drainage at the floor drain is normal; Doors, windows, and glass, whether they are in good condition; whether the size of the house has shrunk; Whether the smoke exhaust holes in the kitchen can exhaust smoke normally, etc.

If problems are found, feedback should be given to the developer in time and dealt with in a timely manner.

7. Pay taxes and apply for property certificates: the last step is to pay taxes and apply for real estate certificates, generally speaking, in addition to the deed tax, commercial housing also needs to pay public maintenance**, property fees, parking fees and other fees, the charging standards of each property company are different, and the charging standards of the property companies responsible for each real estate shall prevail. In particular, it should be noted that the tax payment vouchers for public maintenance and deed tax must be retained, which is an indispensable information for handling property certificates.

1. Prepare before buying a house.

It is better to buy a new house, the design of the new house is relatively novel, and the quality is guaranteed, and now the loan of the new house is convenient, and the property services are more complete. You can take into account the new housing situation in different areas and the ** of the real estate, make a simple budget according to your own economic ability, and choose the right location.

2. On-site inspection of the quality of new houses.

Look at whether the surrounding environment, public places and transportation conditions of the new house can meet the needs of life and residence. Of course, if you choose an existing house, you should also see whether the internal environment and greening meet the quality requirements of living.

3. Pay attention to the subscription and signing matters.

After determining the purchase of the house, the contract is very important, and the contract should pay attention to carefully check the qualifications, negotiate the purchase, payment method and decoration standards, supporting facilities and property management, etc., and try to protect their own interests.

4. The payment time is to pay within the agreed time of the commercial housing subscription agreement signed after the deposit is paid. This is stipulated in the loan agreement. The down payment is the first advance payment when buying a house, and the amount should generally be more than 30% of the total house price.

5. Paying a deposit is also called a down payment, and the payment is made in proportion when signing the contract, and then every month according to the time to pay to the bank or bank card, and the automatic payment is OK, provided that the mortgage contract is signed with the bank.

1. Check the qualifications for buying a house.

First of all, you need to know whether you have the qualifications to buy a house, and you also need to calculate the family's ability to buy a house, determine the area where you want to buy a house, etc.

2. Select**.

According to their own needs, screen out the location, **, house type, and floor are all in line with their own needs**. Then consider factors such as the strength of the developer, community facilities, property qualifications, etc., to determine the final **.

3. Pay the deposit and down payment.

After confirming the purchase**, a certain amount of deposit or deposit is also required. At this time, it is necessary to pay attention to the deposit or the deposit, which is legally valid, if the contract is violated, the buyer will not get back the deposit, and the developer needs to return the deposit twice if the contract is violated. However, the deposit is not expressly stipulated in the law, and generally means a certain amount of payment in advance, and there is no matter of liquidated damages.

4. Sign the purchase contract.

Sign a purchase contract with the seller and pay the remainder of the down payment. Therefore, when signing a house purchase contract, buyers should pay attention to whether there are blank clauses in the contract, whether the obligations and rights in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, whether the delivery date and delivery standards are clear, and whether there is a monopoly property management right.

5. Apply for loans.

Customers of new housing projects will apply for loans under the unified organization of the developer. Before you get a mortgage or before you buy a house, you should think about the loan. In order to better complete the loan, the buyer must prepare his bank credit and income flow in advance, give the loan bank a satisfactory answer, and facilitate himself to get the bank loan smoothly.

6. Apply for real estate certificate.

The handling of the real estate certificate is generally organized by the developer to the real estate management department. If the purchased house does not have a pre-sale certificate, then it will not be possible to apply for a real estate certificate, and this link can only be completed when the developer finally has the qualifications of the five certificates. Therefore, in the early stage of buying a house, the developer's five certificates must be reviewed, otherwise the issuance time of the real estate certificate will be greatly extended.

7. Inspection and delivery.

The process of home inspection usually takes 2 to 3 hours, depending on the type and size of the house. This includes inspecting the outdoor grounds, roofs, basements, floors, attics, utilities, and turning on heaters, air conditioners, and other equipment, and finally handing over a written report to the prospective owner.

1. Subscription process: The buyer and seller who sign the contract sign the house sale contract and perform the contract according to the agreement.

2. Signing process.

When signing the contract, you should bring the following information: 1) Deposit receipt, original ID card (married person needs to bring the original ID card of both husband and wife, marriage certificate) 2) Private seal 3) Original household registration book or household registration certificate 4) Original income certificate.

3. Determine the loan method: provident fund loan and commercial loan.

Provident Fund Loan can apply for a provident fund loan if you have paid the provident fund for 6 consecutive months according to the regulations. Commercial loans: Under normal circumstances, if you buy a new house or a new house within five years, the bank will provide a 7% loan; If you buy a house that is five to ten years old, the loan is 6%, and the details of the loan can be referred to the specific regulations of each bank.

4. Loan process.

Issuing a personal tax return form to the bank to prove the authenticity of the income. According to the different loan regulations of different banks, prepare relevant materials to go through the relevant procedures. You can also negotiate with the developer or intermediary company to go to a non-designated bank to handle the mortgage business through the guarantee company.

5. Acceptance process.

Check the "Residential Quality Assurance Certificate", "Residential Instruction Manual" and "Completion Acceptance Record Form" of the house before the house inspection and move-in, and pay attention to the following points: check the quality of the house in detail, including whether there is cracking in the walls, doors and windows, balconies and other parts; .

6. Fees to be paid during the transaction: stamp duty: 5/10,000 of the house price.

There is a fee to be paid during the process of applying for the title certificate.

Legal basis: Provisions on the Administration of Urban Real Estate Transfer

Article 7 The transfer of real estate shall be handled in accordance with the following procedures:

1) The parties to the real estate transfer sign a written transfer contract;

2) Within 90 days after the signing of the real estate transfer contract, the parties to the real estate transfer shall apply to the real estate management department where the real estate is located with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents, and declare the transaction**;

C) the real estate management department to provide the relevant documents to review, and within 7 days to make a written reply on whether to accept the application, within 7 days did not make a written reply, deemed to agree to accept;

4) The real estate management department verifies the declared transaction**, and conducts on-site investigation and evaluation of the transferred real estate as needed;

5) The parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the regulations;

6) The real estate management department shall go through the registration procedures for housing ownership and issue the real estate ownership certificate.

Article 3 of the Provisional Regulations of the People's Republic of China on Real Estate Tax.

Article 7 of the Provisional Regulations of the People's Republic of China on Real Estate Tax.

Article 2 of the Provisional Regulations of the People's Republic of China on Real Estate Tax.