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Why can't I buy a house with a credit card?
At present, the real estate market is under the pressure of regulatory policies such as "staying in the house and not speculating" and "tightening monetary policy". The CBRC has also issued a policy to crack down on misappropriation of consumer loans and illegal overdraft of credit cards, that is, to strictly control the illegal inflow of personal loans into the property market. Therefore, the bank will strictly check the source of funds for loan buyers according to the policy. If property buyers are found to have paid by credit card when buying a house, they will refuse to lend.

what should you pay attention to when buying a house

1. Check the five certificates of the real estate

When looking at the real estate, make sure that the five certificates of the real estate are complete. The five certificates include Construction Land Planning Permit, State-owned Land Use Permit, Construction Project Planning Permit, building construction permits and Commercial House Sales (Pre-sale). Only when the five certificates are complete can they be sold, so as to prevent the houses from being delivered in the future, which will harm their own interests.

2. Don't look at the house price to distinguish the advantages and disadvantages of lots.

The advantages and disadvantages of lots are only relative, and the advantages and disadvantages of lots should be distinguished according to the needs. If you buy a house from your own residence, as long as the transportation access time and living facilities can meet the requirements of the workplace and daily life, you don't need to spend a lot of money to buy it in the downtown or transportation hub.

3. Don't judge the maturity of supporting facilities by urban functional areas

Now various functional areas in the city are constantly being updated, but business districts are not necessarily suitable for home purchase. Business districts are only the setting of economic growth points and have little to do with buying a house. However, many developers will regard the business district as a major selling point of real estate, and even include it as a favorable factor in the house price. So don't judge the maturity of supporting facilities by urban functional areas when buying a house.

4. Be cautious about the so-called added value given

Nowadays, many people will take the pool area into account when buying a house. In order to eliminate consumers' concerns about the excessive pool, many smart developers are likely to introduce policies to say that pool sales are not allowed; In order to eliminate people's concerns about elevator maintenance fees, developers may also introduce a strategy of exempting elevator maintenance fees for several years, but in fact, these are short-term sales promotion policies, which are of little significance in the long run. After all, people don't live for only a few years. There are also some renovated houses, but also under the banner of buying a house to send furniture, sending electrical appliances, etc. In fact, a slight increase in the pre-sale valuation is enough to bring these expenses into the house price.

5. Be careful about the area error of the house

The area of the house will be agreed in the contract, and in order to avoid the area error, the person who pays attention to the details of the contract will also indicate the treatment method when the area shrinks in the contract. If there is no agreement, the buyer will have to eat the dumb loss when the area shrinks. The normal handling method is that if the absolute value of the area error is less than 3%, the house payment will be settled according to the area difference; if the absolute value of the area error is greater than 3%, the buyer has the right to request to return the house.

6. Read the contract carefully

When signing a house purchase contract, you should also understand the terms of the contract one by one. In many cases of owners' rights protection, they will take not seeing the terms of the contract as a defense, but the reason of "not seeing the terms clearly" is not established before the law. Therefore, property buyers should be cautious before signing, and carefully read and understand the terms of the contract.