What are the payment methods for pre-sale houses? Payment methods in the sale of commercial housing include one-time payment, installment payment and other payment methods agreed by both parties. Choosing a one-time payment may result in a certain discount from the developer, but the home buyer must be backed by sufficient funds, and this payment method is relatively risky. Installment payment is more beneficial to home buyers, especially for off-plan projects. Home buyers can pay the developer in several installments according to the project progress, and then pay the final payment after the commercial house has been inspected and accepted. This is fair to both buyers and sellers. Other methods mainly refer to the results of negotiations between the buyer and seller. As long as it does not violate legal provisions, any payment method and term reached by the buyer and seller on the basis of consensus are allowed. This section mainly involves the issue of bank loans in the practice of purchasing a house. Under normal circumstances, when buying a house with a loan, you must first pay a down payment of no less than 30% of the purchase price, and the remainder will be repaid to the bank by the home buyer on a monthly basis. When purchasing a house with a mortgage, in addition to paying the bank's interest, you also need to pay the bank's attorney fees, insurance premiums and other expenses. Although it is unreasonable for the home buyer to bear some of these expenses. What needs special attention is that home buyers generally do not agree on whether the purchase contract is valid and how the down payment will be handled when the bank refuses a loan. If the home buyer cannot get a loan in the future, the developer often uses the buyer's default as an excuse. , refused to refund the down payment. To this end, the two parties can agree as follows: If the buyer is unable to obtain a bank loan or provident fund loan due to the seller's reasons, the seller will return all the money paid by the buyer according to the check-out terms within 10 days; if the seller proves that If the buyer is unable to obtain a bank loan due to the buyer's reasons, and considering the possible losses to the buyer, the seller shall return all the money paid by the buyer according to the check-out terms within 10 days. What is house pre-sale? House pre-sale, also known as commercial house pre-sale, off-plan sale, refers to the real estate transaction behavior in which the real estate development company and the house buyer agree that the house buyer will pay a deposit or advance payment and own an existing house at a certain date in the future. Its essence is house futures trading, and what is bought and sold is just a futures contract of the house. It and the sale of finished houses have become the two main forms of house sales in my country's commercial housing market. Pre-sale conditions Article 45 of my country’s Urban Real Estate Management Law [2] stipulates that pre-sale of commercial housing [3] should meet the following conditions: (1) The pre-seller has obtained the real estate development qualification certificate and business license; (2) It has been delivered All land use rights transfer fees are paid, and the land use rights certificate is obtained. The land use rights are not mortgaged. (3) Hold a construction project planning permit. If a real estate developer violates urban planning and builds commercial housing and pre-sells it, the real losers will be the good-faith purchasers. (4) Based on the commercial housing provided for pre-sale, the funds invested by the developer in development and construction should reach more than 25% of the total investment in project construction, and the construction progress and completion delivery time have been determined. (5) For projects below seven floors, the main project must be capped; for projects above seven floors, the main project must be built to more than two-thirds of the total project budget investment; a pre-sale payment supervision agreement has been signed with a financial institution. (6) Pre-sale registration has been carried out with the real estate management department of the people's government at or above the county level, and a commercial housing pre-sale license has been obtained; if commercial housing is pre-sold overseas, an approval document for overseas sales must be obtained at the same time. (7) Other conditions stipulated by laws and regulations. Pre-sale characteristics (1) House pre-sale is a transaction with an additional period. That is, the buyer and seller of a commercial house agree on a time limit in the contract, and use the arrival of this time limit as the basis for the legal validity or invalidity of the rights and obligations of the house purchase and sale. (2) House pre-sale has strong state intervention. Since the pre-sale of commercial houses is different from the actual sale and purchase of houses, the real handover of houses has not yet taken place. Therefore, the state has strengthened the regulation of the commercial housing pre-sale market. Our country has stipulated the conditions, qualifications and procedures for pre-sale of commercial housing, and also requires registration and filing procedures with the local real estate management department after the pre-sale contract is signed. Pre-sale contract (1) The names and addresses of both parties, and the legal entity must have the signature of the legal representative. (2) Target, that is, the location and number of the pre-sale goods. (3) Quantity, the quantity and area of ??pre-sold commercial houses should be calculated in square meters, and whether it is the building area, usable area or other areas should be clearly defined. (4) The price is the price of the house, such as how much yuan per square meter. Not only the unit price but also the total price should be indicated; although my country's "Real Estate Management Law" stipulates the conditions and procedures for the pre-sale of commercial housing, there is no unified provision on the amount and period of pre-sale payment collection. The parties should specify in the contract in clear. According to the regulations of the Ministry of Construction, the pre-sale payment for commercial housing must not exceed 40% when the construction of the house starts. It will be collected to 60% when half of the construction work is completed. It can be collected to 95% when the house is capped. When the house is delivered for use Then collect them all. (5) Delivery method and term, including payment method of pre-sale payment and delivery method of the house. (6) The nature of use of the house, clearly indicating whether it is a residential building, an office building, a business building or other building. (7) The method and time limit for transferring property rights of the house. (8) Liability for breach of contract. (9) Other terms agreed by both parties.

Based on what has been said above, pre-sale houses are what we call off-plan houses. Off-plan houses are houses that have not yet been built. Off-plan houses are cheaper than already built houses, and the payment method can also be based on the actual situation. Granted, but when purchasing a pre-sale house, you must be more careful, read the contract carefully, and pay attention to the delivery date, so as to avoid various disputes later.