Positioning your own needs is the premise of buying and viewing a house, so that you can buy your favorite house quickly and save your precious time. First of all, you should know whether you are buying an investment or just need it, and then determine the apartment type, acceptable price, geographical location, supporting aspects and so on. It is necessary to screen before viewing the house, so as to view the house accurately, quickly and purposefully. Otherwise, aimless viewing will not only waste your manpower and material resources, but also affect your judgment on buying a house.
2. Term of property right of real estate.
Through the positioning in the first step, we can screen out a number of real estate projects, but before looking at real estate projects, we should check the auction time of real estate projects, because the property right period of real estate projects begins with the auction. In order to hoard land, many developers put it in their hands for a period of time after the auction, and then start to develop and use it after the house price rises to a certain period of time, so it will be less than 70 years before the owners hand over the property rights.
3. Five certificates, two copies and three forms should be complete.
Generally, the real estate marketing center will clearly show all the approval permits of the project at the entrance, that is, the five certificates are complete, which is required by the policy, including the state-owned land use permit, the construction land planning permit, the construction project planning permit, the housing construction permit and the pre-sale permit of commercial housing. One of the most important is the pre-sale permit for commercial housing. The pre-sale scope of the Commercial Housing Sales (Pre-sale) Permit is the saleable property of this project, so buyers must see whether the purchased floors are within the pre-sale scope.
What needs attention here is to see whether the specific room number is within the pre-sale range, because many developers are developing projects in stages. If the five certificates are incomplete, there is no way to apply for a bank mortgage loan. Because the five certificates are incomplete, there is no real estate license, so there is no commercial loan. Only after the certificate is completed can the loan be made. It means that if you fall into this trap, you need to buy a house in full. The second book refers to the "residential quality guarantee" and "residential instructions". The three tables include the completion acceptance record table, the measured area table of the house, and the household acceptance table of the residential engineering quality.
4. Don't trust the sand table in the sales office.
Every sales office will have a sand table that looks tall, and developers will list the surrounding facilities, schools, shopping malls, hospitals, banks, railway stations and so on. In the sand table, including various business districts and floor plans; In short, every sand table is built on the basis of real estate, and the surrounding packaging is good, but don't be blinded by the sand table.
The process of buying a house
1, preliminary preparation
Buying a house is not as simple as spending money. Before buying a new house, you need to judge whether you are qualified to buy a house. At present, the policies introduced by major cities are different. You should pay close attention to the relevant policies of the area where you want to buy a house in time to confirm whether you meet their policies.
Determine the house price and location, and choose the house according to your actual income and demand.
2. On-site house inspection
On-the-spot investigation should pay attention to whether the real estate has pre-sale qualification. When checking whether the property is qualified for pre-sale, we should pay attention to whether the property has no pre-sale certificate for internal subscription and whether the pre-sale certificate has expired. It is also necessary to compare the real estate. In the case of multiple real estates, compare and choose lots of traffic, surrounding facilities, developer qualifications and apartment types.
If the house you buy is sold by a real estate agent, you should know whether the company has the qualification of a real estate agent.
Step 3 buy a house officially
The first step in buying a house is to sign a subscription book. Disputes arising from the signing of subscription books generally lie in the fact that property buyers want to recover the deposit, but developers may not necessarily refund it. In order to avoid unnecessary troubles, buyers must carefully review the contents of the contract, especially the difference between deposit and deposit. After that, it is to sign a contract to pay the down payment and the choice of loan method. Provident fund loans and commercial loans are two common ways at present.
Understand the local provident fund loan policy and see if it meets the requirements. If you meet the requirements, you can apply for a provident fund loan with a lower interest rate than a commercial loan. At this point, the link of buying a house is coming to an end. Don't forget to check the room after you get the key.