if you want to get a loan to buy a car space, it's really only for this community. Because it is generally necessary to provide proof of residential property rights in the residential area to prove that the parking space purchased by mortgage is located in the residential area. Of course, if you buy a parking space in full, there should be no restrictions in this regard.

and we need to pay attention to the fact that when buying a parking space with a loan, you can only choose to apply for a commercial loan, but you can't buy it with a provident fund loan. Some real estate developers even stipulate that they must pay in full, and they cannot borrow or mortgage.

What are the precautions for buying a parking space?

1. Find out the property right of the parking space

Check whether it belongs to the developer. If the ownership belongs to the developer, then the purchased parking space can't be used for property right certificate and can't be traded. If it is a public facility, then the developer has no ownership and can't trade.

2. Write the relevant guidelines for parking spaces into the contract

When the buyers sign the purchase contract, the parking spaces are bought together with the house. The buyers should discuss the location, number, area, price and other conditions of the parking spaces with the developers clearly, and write them down in the terms. It would be better if there is a floor plan, and also write clearly the solutions to the problems.

3. Pre-sale parking spaces must obtain pre-sale permits

Just as developers need to obtain pre-sale permits when selling houses, pre-sale parking spaces must also obtain relevant certificates in advance.

4. Deed tax maintenance fund should be paid for the purchased parking spaces

The longest property right of underground parking spaces is 5 years, and the property right of some commercial projects is even shorter, only 4 years. In addition, the purchased parking spaces, like real estate, also have to pay deed tax and public maintenance fund.

5. It is forbidden to use provident fund loans when buying parking spaces.

Generally, it is impossible to use provident fund loans when buying parking spaces and garages, and the lease of parking spaces in residential areas will change with policies. Therefore, you must be cautious before buying a house and a parking space, and you must have a general understanding of property rights, service life and other conditions, such as the prohibition of selling parking spaces on the ground, which cannot affect the greening of residential areas, etc.