Precautions before trading:
If you decide to subscribe, you must think about several favorite units and be mentally prepared. Miss the favorite, wait for the next batch of units or choose another property, or attack the remaining units?
To choose a suitable unit, you need to find a bank to evaluate and build a mortgage. At present, most developers will arrange a number of banks to evaluate buyers for free, and usually can estimate the price. At the same time, understand the sales arrangements and subscription forms set by developers, such as dark bargaining, open registration, lottery, payment methods, etc.
Before buying a house, decide whether the ownership structure you choose is joint ownership or decentralized ownership.
Joint ownership belongs to two people, and after one of them dies, his ownership will be automatically obtained by the owner of the other party.
Decentralization * * * Ownership is inseparable, and property is shared by each owner. If one of the owners dies, its ownership will automatically belong to the beneficiary of his estate, not to the other owners.
Understand the whole transaction process and the legal documents to be signed;
When some registered units are put on sale, buyers will be required to register the deposit first, pay by cashier's check or cheque, and then draw lots to determine the purchase order, which will be deducted when signing the temporary sales contract. Of course, some properties are first come, then come, and internal purchases are even hidden.
Temporary deposit (detailed) is prepared for temporary sales contracts, which is generally 5% of the property price.
Generally, a formal sales contract will be signed in the developer's lawyer building within 3 working days after signing the temporary deposit, and a deposit of 5% of the other property price will be paid. The percentage of the house price paid depends on the payment method. Of course, you must get the mortgage approval from the bank. At this time, printing fees and attorney fees should also be attached.
The time to pay off the remaining house price in the mortgage contract depends on the payment method you choose. For example, choose to pay immediately, pay off the house price within 30 to 60 days after signing the formal sales contract, and get the real estate license of the lawyer's house. If there is mortgage, the real estate license belongs to the bank and is kept by the bank and the owner respectively. If you choose to pay during the construction period, you need to find a bank as collateral when you move in, and the valuation may be different from the purchase price.
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