What is housing fund supervision?
The supervision of house purchase funds means that the transaction funds of buyers and sellers do not directly open special accounts for fund supervision in banks through intermediary companies, real estate departments and banks, and belong to banks. When the buyer transfers its ownership within the specified time limit, the funds will be transferred to the original owner's account, which means that both the buyer and the seller should open accounts in the supervision bank.
The role of fund supervision
For customers, through the supervision of transaction funds and the process of thawing after transfer, the risks of malicious fraud by all parties and non-cooperation between the two parties after transfer of funds are avoided, and the transaction security is effectively guaranteed.
For the owners: first, through the supervision of funds, ensure the safety of transactions, dispel customer concerns and promote the smooth progress of transactions; Second, the transaction funds are transferred to the escrow account in advance to ensure that customers have enough funds to buy a house, avoiding the risk of customers interrupting the transaction and ensuring the legitimate interests of the owners.
What should I pay attention to when buying a new house?
1. View the relevant documents of the developer.
This property buyers must pay attention to, under normal circumstances, if developers have pre-sale permits, there will be related planning permits, land use permits and so on. Therefore, it is best for buyers to check the developer's pre-sale permit before buying a new house, and review the original to prevent the copy from being tampered with.
Pay attention to the contract.
Property buyers should sign housing sales contracts in accordance with the standards and fill them out item by item in accordance with the terms listed in the article. Don't sign the "order agreement" set by the developer at will. In addition, due to various reasons, the phenomenon of delayed delivery occurs from time to time. In order to prevent developers from making a fuss about the pre-sale contract, when signing the contract, buyers must specify the delivery date as "a certain month and a certain day" and specify what responsibilities developers should bear if they cannot deliver the house on time.
3. Make a good purchase budget.
In addition to the down payment and loan-related expenses, when handing over the house, the buyers have to spend some money, such as deed tax, public maintenance fund, stamp duty, property fees and so on. In addition, there may be some small expenses. In order to avoid disputes with developers in the future, it is best to know clearly in advance and be prepared.
4. Don't trust verbal promises.
When many projects are publicized, in order to attract more buyers, they will exaggerate the advantages of the projects and even fabricate the facilities that have not been built around them, which may actually violate the provisions of the advertising law. If the buyer is not sure about the authenticity of the developer's advertising content, he can ask the developer to attach the advertising content to the supplementary agreement of the contract to protect his own rights and interests in buying houses.