The purchase procedure is generally like this:
Step 1: Look at the house.
Take a few more properties, compare the location of each property, the surrounding traffic, as well as supporting services such as schools, hospitals, banks and shopping malls, and compare the prices. The most important thing is to predict the development trend of real estate and cities. Although some real estate projects have poor geographical location and traffic when they are opened, and the house prices are also low, they have great appreciation potential in urban planning areas, which is also the scope to be considered.
Step 2: Determine the real estate.
Pay a deposit and sign a letter of intent to buy a house. Note: the deposit is generally not refundable, so please pay the deposit carefully.
Step 3: Down payment
Pay the down payment, sign a formal contract, and the developer issues a down payment certificate, usually a receipt;
There are two ways to pay the down payment:
(1) Buying a house in the name of an individual: the down payment needs to be more than 40%, and a guarantor with a fairly regular income is needed. When the guarantor needs it, both husband and wife shall bear joint liability. Once the buyer cannot repay the mortgage, the guarantor has the responsibility to repay it. If the guarantor refuses to fulfill the repayment obligation, the bank can freeze the guarantor's bank account.
Required materials: personal ID card, household registration book, single certificate, income certificate, bank account, personal credit report, ID card of guarantor and husband and wife, household registration book, marriage certificate, bank account, down payment receipt and house purchase contract.
(2) Buying a house in the name of both husband and wife: the minimum down payment is 30%. Both husband and wife have the obligation to repay.
Required materials: husband and wife ID card, household registration book, marriage certificate, husband and wife income certificate, bank account, personal credit report, down payment receipt, house purchase contract, etc.
The fourth step: the developer goes through the formalities, signs online, and the Housing Authority puts it on record;
Step 5: Face to face with the bank, check the credit information, wait for approval, and lend money after approval.
Step 6: Check the family housing situation and pay taxes (some people will pay taxes when they close the house, with a suite below 90 square meters 1% of the total house price, a suite above 90 square meters 1.5% and a second suite 3%).
Step 7: The bank lends money, and the sales office informs the owner to take the house purchase contract and pay it to the house maintenance fund, 80 yuan/Pingping.
Second, payment
contract tax
1. First suite: if the area is ≤ 90m2, the deed tax rate is1%; If the area is greater than 90 ㎡, the deed tax rate is 1.5%.
2. Second suite: if the area is ≤ 90m2, the deed tax rate is1%; If the area is greater than 90 ㎡, the deed tax rate is 2%.
3. Three or more houses and non-houses: regardless of the size of the house, the deed tax rate is 3%, and there is no reduction.
Property fee: refer to the local price bureau. The unit price of different floors is different.
Opening fee: 17 is forbidden by the state, but many developers still charge it, so this part of the money may have been paid when you bought the house, so be careful not to pay it again!
Maintenance fund: some of this money will be refunded after you finish the renovation, and some will not be refunded. So ask clearly!
Health expenses: cleaning up decoration garbage.
Water and electricity: used for decoration.
Fees for handling real estate license
(1) From April 2017/day, there is no need to handle the real estate license, but only the surveying and mapping fee in 40 yuan. If developers ask for residential surveying and mapping fees, business owners should pay attention. This fee should be borne by the developer himself, and the owner can refuse to pay.
(2) Real estate registration fee and mortgage registration fee only need to be paid when the owner applies for a commercial loan. These two expenses are residential 80 yuan and commercial 550 yuan.
Third, the inspection procedures when handing over the house
The first thing to read is three books, namely, building engineering quality certificate, residential instruction manual, residential quality guarantee, real estate development and construction project completion comprehensive acceptance certificate, and building completion acceptance record form.
Secondly, it depends on the quality and area of the main building. It is necessary to check the quality of the house in detail, including whether the external finishes such as balcony and rain cover are cracked.
1, wall problem
Check the flatness of the wall surface for water seepage and cracks. In particular, check whether there are water marks on some walls, especially the sanitary top surface of the kitchen and the external walls. If so, be sure to find out the reason as soon as possible so that developers can maintain it.
Carefully check whether there is any shell cracking on the ground. If there is an empty drum, you must instruct the accompanying property personnel to repair it as soon as possible, otherwise it is easy to break through the floor in the decoration.
2. Water and electricity problems
Check whether water, electricity and coal are unblocked and can be used normally.
Turn on all faucets to check whether there is water leakage, so that the water flow is as big and fast as possible, so as to check the water pressure and test the drainage speed.
Use a test pen to check whether each strong and weak current is unblocked, and close the brake to check whether each brake completely controls each branch line.
Acceptance of launching conditions includes basin launching, bathtub launching, toilet launching, kitchen sanitation, balcony floor drain, etc.
Make an appointment with the upstairs and downstairs owners, check whether the upstairs floor, their own ceiling, their own floor and downstairs ceiling are leaking, and record the water meter.
3. Door and window problems
The structure of doors and windows directly affects indoor ventilation, lighting, safety and many other aspects. Poor quality doors and windows may leak in rainy days, and the sound insulation effect is not good.
Check the thickness, material, specification and tightness of the door; The material, specification and thickness of the window, the variety and thickness of the glass are all safe, and the switch of the window is intelligent, convenient and airtight. Whether the doors and windows are pushed and pulled smoothly, whether the surface is smooth and flat, whether there are serious scratches, and whether the profiles are cracked or damaged. Whether the metal fittings are complete, correct in position and firm. When the doors and windows are closed, is there any obvious gap between the fan and the frame, whether the sealing strip is loose, whether it falls off and whether it is exposed?
Check whether the glass is free from pollution and damage, whether the double-layer glass interlayer is dust-free and moisture-free, and whether the partition is flat. Whether the window drain hole is open, if not, the accumulated water will flow into the profile.
What should I do if I find something wrong with the quality of the house during the house inspection?
In the process of house inspection and house collection, if there are some small quality problems in the house, the developer can carry out maintenance in time. But if it comes out,
Now, in the following eight situations, buyers can ask to return a house.
1. The absolute error between the measured area and the area agreed in the contract exceeds 3%.
2. The developer's overdue delivery constitutes a fundamental breach of contract, that is, the overdue delivery reaches the check-out date agreed in the contract.
3. The developer changes the planning and design, which affects the structural type, apartment type, space size and orientation of the house.
4. The developer sells the house without obtaining the pre-sale permit for commercial housing (except for deliberately concealing the house without obtaining the pre-sale permit).
5. The quality of the main structure of the house delivered by the developer is unqualified or the quality of the house seriously affects the normal use of the house.
6, can't or can't handle the transfer of property rights.
7. The buyer's loan application was not approved, and both parties to the contract could not reach an agreement on the payment method.
8. When other check-out conditions agreed in the contract appear.