Is it okay to pay a down payment before taking a mortgage when you buy an off plan house?

Hello! This is not possible, it should be completed first after the loan procedures can be carried out, the specific delivery procedures are as follows:

1. Receiving the house: According to the time agreed in the sales contract, the seller should generally handle the delivery of the house within one week after getting the new property certificate.

The following elements should be paid attention to in the delivery of the house:

1) Settlement and renaming of maintenance**;

2) Check whether the utilities such as water, electricity, and gas have been settled;

3) Inspect the ancillary equipment of the house;

4) Find out if the hukou has moved out.

2. Acceptance of the house: In addition to checking whether the quality of the house and the ancillary equipment are in good condition in accordance with the contract, it is necessary to go through the procedures for changing the name and transfer of ownership with the seller such as water, electricity and gas, property management, maintenance, cable TV, etc., and settle the maintenance fee, water, electricity and gas and other public utility fees, and you can continue to entrust an intermediary.

Note: The most important thing during a home inspection is to settle all fees and confirm that the seller's account has moved out to ensure that there is no impact on the transaction or daily life.

3. Pay the balance and move in: After the house inspection is completed and everything is confirmed, the balance can be settled.

Note: Finally, remember to go to the property management office to register as a new owner, and you can start your new life. Hope.

I also have this problem, I bought an off-plan house, the down payment has been given, the contract has been signed, the developer has always urged me to go through the mortgage procedures, but I have not gotten there, the developer also threatened me that if I don't do it, I will sell my house to others, I want to ask is:

The down payment has been given, the contract has been signed, is there a rule on how long it must take to apply for a mortgage? What happens if I don't get my mortgage out for a long time? Thank you!

After the down payment is made, the loan will be processed within a month.

After signing the contract, the real estate developer has to go to the property office to register the advance notice, and then send the information to the bank, or you can go to the bank to do it, sign the contract at the bank, and issue the loan after completing the mortgage registration. Therefore, the time can be completed within a month, and some real estate developers are more efficient, and they can be completed in a week.

Loan procedures:

1. First of all, go to the bank to understand the relevant situation.

2. Apply for a personal housing loan with all the relevant information.

3. Then accept the bank's review and determine the loan amount.

4. Next, you can apply for a loan contract, and the bank will handle the insurance on behalf of you.

5. Handle the registration and notarization of property rights mortgage.

6. The last thing left is that the bank issues the loan, and the borrower cancels the registration after repaying the loan every month and paying off the principal and interest.

Do the math how much it will cost you to renovate your home

At present, many developers sell off-plan houses, and the ** of off-plan houses is more favorable than other houses. However, when buying off-plan housing, you must find a developer with strong strength and high reputation, so that it will be more reassuring in subsequent use. So when will the first time to pay for the off-plan property?

1. When to pay the down payment when to buy an off-plan house.

After paying the deposit for the purchase of off-plan housing, the down payment is generally paid within half a month, and if there are special circumstances, you can communicate with the real estate sales staff to extend the time for paying the down payment. The buyer buys the first house, and the down payment is 30% of the total house price, for example, the total house price is 1 million, then the down payment is 300,000. If the buyer is buying a second home, the down payment is 40% of the total purchase price.

2. What are the advantages of buying off-plan housing?

1.Off-plan properties are generally unfinished at the time of ordering, and if the house has just started to sell, there are many houses with good types and many houses with good orientation.

2.The ** of off-plan housing is more preferential, and under normal circumstances, it can be discounted by 5%-10%, and some discounts are more. It takes one to two years for developers to build a real estate, and some will take longer, so in order to recover the funds as quickly as possible, developers also encourage buyers to buy off-plan properties.

3.Off-plan payments are generally divided into 3 installments, which are made as the developer progresses the construction. The first payment is made when the developer obtains the pre-sale permit, and the amount paid is a deposit of 10,000 yuan to 20,000 yuan, and 10% of the total housing price is to be paid as the down payment.

The second payment is halfway through the construction of the property and the payment amount is 60% of the total payment. The third payment is made when the property has been handed over, and after the remaining payment is made, the developer will hand over the house to the buyer.

4.Buying off-plan property allows you to observe the quality of its work at any time, which is convenient for supervision and advice. Because the deposit is paid, the buyer has the right to check the progress of the work on the house.

For example, you can check the structure of the house, plumbing and electricity and other facilities, and at the same time, you can also observe the parts that are not easy to see after construction, such as pipelines, interfaces, etc.

Enter the area and get the decoration for free**].

Enter the area and get the decoration for free**].

No. Normally, it should be selling existing homes, but most developers are selling off-plan properties. Under normal circumstances, the purchase contract is signed when the down payment is made, and the delivery date is indicated.

Take the contract to the bank for a loan, then pay the loan to the developer, and then start to repay the loan to the bank every month according to the loan contract. If there is a default in the delivery of the house at the due date, the developer can be required to pay liquidated damages.

No, the mortgage starts when you sign the purchase contract.

However, according to the current national real estate policy, only existing home transactions are allowed, and the purpose is to protect buyers and prevent real estate developers from escaping with their money.

Huabei can be used when the mortgage is under review, as long as there is no overdue repayment and other situations that affect credit during the review period, it is not reputable.

According to Article 5 of the Measures for the Administration of Personal Housing Loans, the borrower must meet the following conditions at the same time:

1. Have a permanent urban residence or valid residence status;

2. Have a stable occupation and income, have good credit, and have the ability to repay the principal and interest of the loan;

3. Have a contract or agreement for the purchase of housing;

4. If there is no housing subsidy, no less than 30% of the total price of the purchased house shall be used as the down payment for the purchase of the house; If there is a housing subsidy, 30% of the part borne by the individual shall be used as the down payment for the purchase of the house;

5. Assets approved by the lender as collateral or pledge, or units or individuals with sufficient solvency as guarantors;

6. Other conditions stipulated by the lender.

After signing the pre-sale contract or ** contract, the time and proportion of the down payment as an important clause of the purchase contract need to be dissipated in the contract to be clearly agreed in the contract to be performed in a timely manner.

Article 16 of the Administrative Measures for the Sales of Commercial Housing.

When selling commercial housing, the real estate development enterprise and the buyer 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:

1) The name or address of the parties;

2) The basic condition of commercial housing;

the sales method of commercial housing;

4) The method of determining the price of the commodity and the total price, payment method, and payment time;

5) Conditions and dates of delivery; Rush is burning.

6) Commitment to decoration and equipment standards;

7) Water supply, power supply, heating, gas, communications, roads, greening and other supporting infrastructure and public facilities delivery commitments and related rights and responsibilities.

Buying off-plan properties requires a down payment first. The down payment is the first advance payment when buying a house, which is the payment made by both parties after signing the commercial housing pre-sale contract or ** contract, which is equivalent to the deposit, and the time and proportion of the down payment are agreed as an important clause of the purchase contract. Legal basis:

Article 16 of the Administrative Measures for the Sales of Commodity Housing: When selling commercial housing, the real estate development enterprise and the buyer 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:

1) The name or address of the parties; 2) The basic condition of commercial housing; (C) the way of sale of commercial housing; 4) The method of determining the price of the commodity and the total price, payment method, and payment time; 5) Conditions and dates of delivery; 6) Commitment to decoration and equipment standards; (7) Commitments for the delivery of supporting infrastructure and public facilities such as water supply, power supply, heating, gas, communications, roads, and greening, as well as relevant rights and interests, and responsibilities for the defeat of annihilation.