Is it safe to pay the full amount for off plan housing, and the full payment for off plan housing is

Insecurity. Off-plan housing: People are accustomed to refer to houses that are under construction, have not yet been completed, and cannot be delivered for use as off-plan housing.

That is, the developer from the beginning of obtaining the commercial housing pre-sale license to the acquisition of the real estate certificate (large property certificate), during this period of commercial housing is called off-plan housing, consumers should sign a pre-sale contract when purchasing commercial housing at this stage. Under normal circumstances, the first of the off-plan housing is lower, and the room for selection is larger, but because it is paid first and then delivered, the process and result of buying a house depends on the performance of the rights and obligations agreed in the purchase contract, and the performance of the purchase contract is not only affected by the developer's own operation, but also restricted by many objective factors. Due to the various pros and cons of the off-plan housing system, there is currently a trend of abolition in China.

Off-plan housing also depends on the extent to which the developer has completed all the procedures. We all know the developer's five certificates, see if he has them, or in other words, see if the house you buy has a "commercial housing pre-sale license". Note that it depends on whether you have this house or not.

Because the developer's pre-sale certificate is not one for each community, depending on which building the developer has applied for, there can be many pre-sale certificates, and you can see if there is any of your building. If so, then your rights will be protected by law, and you can rest assured that you will pay in full, if not, then be careful. At the very least, look at the strength and reputation of the developer.

If the reputation is good, there is no problem, but if the reputation is bad, it is difficult to say. There is also strength, if the developer's strength is insufficient, and the house is halfway through the construction of the fund, and it becomes unfinished, it will be miserable. Therefore, it is necessary to investigate the developer before buying a house.

As long as the developer has five certificates and two books, it is safe.

The items you are buying are fully certified, so that your rights will be protected, there will be no problems with the house payment, and you can buy with confidence.

1. Is the full payment for the off-plan house the full payment as soon as the house is purchased.

1. The full payment of off-plan housing is not paid in full as soon as you buy a house, and it can be paid in installments. Off-plan payments are generally divided into three stages:

1) The down payment should be around 30%;

2) A part of the house is delivered before and after the capping;

3) The balance payment shall be paid at the time of delivery.

2. Legal basis: Article 61 of the Law of the People's Republic of China on the Administration of Urban Real Estate.

To obtain land use rights by way of transfer or allocation, an application for registration shall be made to the local people's land management department at or above the county level, and the land use right certificate shall be issued by the people at the same level after verification by the local people's land management department at or above the county level.

If a house is built on the land for real estate development obtained in accordance with the law, it shall apply for registration with the local people's real estate management department at or above the county level with the land use right certificate, and the local people's real estate management department at or above the county level shall verify and issue a house ownership certificate.

When real estate is transferred or changed, it shall apply to the local people's ** real estate management department at or above the county level for registration of real estate change, and apply to the people's ** land management department at the same level for registration of change of land use right with the changed house ownership certificate, and the people's ** land management department at the same level shall replace or change the land use right certificate after verification by the people's ** land management department at the same level.

Where the law provides otherwise, it is to be handled in accordance with the provisions of the relevant laws.

2. What is the mortgage process?

1. To apply for a mortgage loan, after confirming that the property he chooses is 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";

2. Submit relevant documents, such as the identity certificate of the lender and the husband and wife, household registration book, marriage certificate, housing right certificate, land certificate, no house certificate, unit income certificate, and guarantee certificate of the guarantee company;

3. Wait for the bank's review. After the buyer submits the "Mortgage Loan Application", the relevant bank will review the buyer's income flow, credit status, whether it has the ability to repay and other aspects, if the review finds that there is no ability to repay or there is a problem with the credit information, the bank will refuse to lend to the buyer;

3. After the examination is approved, the lending bank signs the loan contract with the borrower;

4. The borrower goes through the mortgage procedures;

5. The borrower goes through the insurance procedures;

6. The lending bank disburses the loan, and the contract takes effect.

Full payment payment method for off-plan property:

Under normal circumstances, the full purchase of a house is not a one-time payment, generally after the buyer and seller sign the sales contract, a time limit will be specified, within this period of time to pay off the house price of 95, the remaining 5 or so of the house payment, generally will be paid in a lump sum at the time of delivery. Nowadays, it is generally through the supervision of funds, and the money is stored in a specific account, after which the relevant institutions call the seller.

The advantage of a lump sum payment is that it reduces interest expenses, and choosing a lump sum payment may get a certain discount from the developer, but the buyer must have sufficient funds to back it up, which is relatively simple and convenient.

Benefits of buying a house in full:

1. It is more economical to buy a house in full.

Buying a house in full seems to take out a lot of money at once, but in fact, it is more economical to buy a house in full after careful calculation, on the one hand, it can save the handling fee and bank interest for the loan, and on the other hand, the hairdresser will give greater preferential treatment to buyers who make a one-time payment

2. The process of buying a house in full is simpler.

The process of buying a house in full is simpler than buying a house with a loan, eliminating the steps of running to the bank and the need to prepare less information to buy a house, which naturally makes it much easier for buyers. Buyers can easily dispose of their own funds.

3. It is easy to buy a house in full.

If you buy a house in full, the buyer is more free when it comes to the ** house and is not restricted by the bank. Especially when you need money urgently, whether you mortgage the house or the house**, it is a good way to carry out capital turnover.

Pro, Soubengling Hello, Shiqi 1, purchase contract: The purchase contract is a purchase agreement signed by the buyer and the seller, stipulating the rights and obligations of both parties, as well as the conditions required for the purchase of the house, including the nature, location, price, delivery time, lease term and other terms of the house. 2. Invoices for house purchases:

The purchase invoice is a voucher for the buyer and seller of the house to settle the purchase cost, and the buyer needs to hold the issuance chain ticket to apply for the purchase tax exemption from the financial department. 3. Purchase receipt: The purchase receipt is a purchase receipt signed by the buyer and the seller, which is used by the buyer to pay the purchase fee, or other expenses negotiated between the buyer and the seller, and is the proof of the buyer's payment of the purchase cost.

4. Housing purchase registration certificate: The housing purchase registration certificate is the housing purchase and purchase registration procedures handled by the buyer and seller in the housing registration office, and is the certificate for the buyer to obtain the ownership of the house. 5. Housing property right certificate:

The house title deed is a document that proves that the buyer has obtained the ownership of the house, and it is the most important supporting document for the buyer in the process of buying a house, which is used to prove that the buyer has the ownership of the house.

Summary. Dear, the off-plan house has been paid in full, and the sales department will give you a purchase contract, which is the contract you signed with the developer, which contains important information such as house price, area, and room number. In addition, the developer's real estate certificate must be <> six months after receiving the house

What are the procedures for paying the full amount of the off-plan property to you.

Dear, in, is typing teacher <>

Hold on. Dear, the off-plan house has paid the full amount of the Yuzhi sales department will give you a purchase contract, which is the contract you signed with the developer, which contains important demolition information such as house price, area, and room number. In addition, the developer's liquid elimination real estate certificate must be <> six months after receiving the house

Ask about custom messages].

In addition, there will be deed tax invoices missing laughter, individual tax invoices, and overhaul bills. After returning to the date, you can go to the deed tax <> after returning to the house

Ask about custom messages].

At first, he paid 80%, and then paid the final payment and paid 20%, what did he say about signing online, there was no contract.

So what is he going to give me?

Pro, the purchase contract is willing to be dismantled and signed, generally in the sales department, the real estate consultant group will sign with you. Because you are traveling or paying in full, not a mortgage, you don't need to sign a mortgage, sign a mortgage online. <>

Dear, these bills are your own taxes as a buyer, and the developer will definitely give them to you, and you can also refund the deed tax in the future.

Then I'll pay the balance and sign it online, will he give me an invoice for full payment?

Dear, the house belongs to you if you sign the online wide calendar, and the online signature is filed with the Housing Authority. <>

You can ask them for the full invoice, but it doesn't make much sense <>to search carefully

Dear, the online signature is equivalent to the national system, you are the owner of this suite<>

Can you do the online signing by paying the balance on the same day?

Dear, yes. <>

You'd better handle it at the real estate exchange, while queuing, and when you arrive, you can directly swipe the card to sign online <>

Can I put a child's name on the online sign? The child is an innocent minor.

Dear, yes. You are the full amount. <>

Dear, please give the teacher a 5-star like, thank you <>

Ask about custom messages].

Pro, add the child's name, and then bring the child's ID card to go with the child<>

Ask about custom messages].

Summary. It is generally safe to buy an off-plan property and pay the full price, and the risks of paying in full to buy an off-plan property are essentially the same as taking out a loan to buy an off-plan property. If the off-plan property is unfinished, the loan still has to be repaid, and there is no such situation that the house is unfinished and there is no need to repay the loan.

There can be no zero risk in buying off-plan, and it is very important to do a good job of research before buying a house.

Is it safe to pay the full amount for off-plan housing.

Your question has been seen by Xiaomeng, and I am answering it for you, please don't worry, it takes a little time to type, thank you

Dear, safe. It is generally safe to buy an off-plan property and pay the full amount for an off-plan property, and the risks of paying the full price to buy an off-plan property are essentially the same as buying an off-plan property with a loan. If the off-plan property is unfinished, the loan still has to be repaid, and there is no situation where the house is unfinished and there is no need to repay the loan.

It is impossible to have zero risk in buying off-plan property, and it is very important to do a good job of investigation before buying a house.

I am very happy to be able to solve the problem for you this time, I can trouble you to give Xiaomeng a thumbs up, and then click on the end of the consultation, but Wang Lun to pay attention to me, Xiaomeng wishes you a happy life If you have any questions, you can continue to ask.

It is safe to buy off-plan property in full and pay in proportion, and the specific proportion is subject to the agreement between the buyer and the seller. There are two ways to pay for the full purchase of off-plan housing: one is to pay the other party on the day of signing the house sale contract, and then pay the remaining payment when the key is notified; The second is to pay the down payment on the day the contract is signed, and then the full amount of the house is capped, and the balance is paid on the day of delivery.

Precautions for 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.

3. Pay attention to the shelf life of indoor facilities.

It is necessary to agree on the shelf life of the house and its ancillary facilities and the solution to the quality problem.

4. Pay attention to the area of the house.

Buyers can ask the developer to clearly write out the shared area and the area within the suite, and attach a plan drawing of the project's shared area.

5. Pay attention to the few places in the contract.

When signing a formal contract, make sure that there are no details in the contract.

Buyers are reminded that buying a house in full should be determined according to the overall economic strength of themselves and their families and the family's planning. Don't choose to buy a house in full just because it saves trouble, ignoring your own financial reserves, and finally causing the family's living expenses to be unable to operate normally.