When should I pay the down payment for buying a house? When is the best time?
When do I pay the down payment for buying a house?
When buying a house, pay the down payment when signing the purchase contract.
When buying a house, we need to pay attention to the following questions:
1, the basic "five certificates" are complete.
Be sure to check whether the developer has a pre-sale permit for commercial housing. With the pre-sale permit, developers usually have five certificates: real estate development permit, state-owned land use permit, construction project development permit and project planning permit. This is the key to whether you can buy a house.
2. Use standard contract text.
Be sure to refer to the "text" and don't modify it at will, and fill in it carefully according to the terms listed in the text to understand the specific content. Don't sign the "order agreement" set by the developer and pay the deposit at will. Even if many people do this, it is not a necessary procedure for buying a house. And this kind of contract is bound to be unequal in rights and obligations, which is particularly unfavorable to oneself. It is best to sign a pre-sale contract directly with the developer. This step must not be sloppy! Otherwise, it will be miserable if you eat a big loss.
3. Relevant supporting documents are valid.
If you buy an auction house (a house under construction, unfinished and unable to be delivered), you should check whether the developer has a pre-sale permit and ensure that the house you buy is within the pre-sale scope; Buying an existing house depends on whether the developer has a large production certificate of the house (after obtaining the pre-sale certificate, it is changed from an auction house to an existing house) and a new residential delivery certificate. Also check its business license and development qualification certificate, and pay attention to whether the unit names of these license documents are consistent.
4, the purchase of faster to agree on conditions and deadlines.
For faster delivery, it is common to delay delivery due to lack of funds, even for those who can't pay the house price. If it is not a standardized "text", developers will definitely make a fuss about the contract, which is extremely unfavorable to property buyers. If only the completion date is indicated, there is no delivery date; Use some vague language such as "after the installation of water and electricity, after the quality acceptance, after the completion of residential facilities". In this regard, when signing the contract, buyers must clearly stipulate that the delivery date is "a certain month and a certain day", and indicate the responsibilities that developers need to bear if they cannot deliver the house on time.
5, clear the specific time and liability for breach of contract.
The so-called delivery has two meanings: first, the right to use the house is delivered in kind; The other layer is the transfer of housing ownership, that is, the transfer of property rights. Physical delivery and transfer of property rights should be clearly stipulated in the pre-sale contract, and the use and delivery of houses that have not obtained the "Permit for Delivery of New Residential Buildings" cannot be accepted.
6. Check the quality of the house.
When signing a contract, you should check and check the contents of the residential instruction manual and the commercial housing quality guarantee, and take the commercial housing quality guarantee as an annex to the contract to check whether the developer is responsible for the quality problem.
7, clear property management matters.
A bad property management company will definitely make you feel uncomfortable forever. Therefore, we should pay more attention to the details of the property management company, as well as the scope of property management and charging standards agreed by both parties.
8. The focus is on the liability for breach of contract.
For faster, even existing homes, it may be different from the description of developers. At this time, it should be clear that the developer should bear the responsibility when the contract is in breach or inconsistent with the description. For reference: after signing the contract, the buyer asked to return the house and failed to pay on time; The developer asked for a house change after selling the house, and failed to hand over the house on time; The area changes beyond the agreed scope; The quality does not meet the requirements; Do not abide by the regulations and agreements when handling the transfer procedures. Don't miss the equality of liability for breach of contract.
The down payment is based on the house price when buying a house, and the time for paying the down payment will be agreed in advance. Regarding the loan to buy a house, the state has corresponding policies. We might as well know that if some developers violate the national policy, we can implement their legitimate rights and interests and report to the relevant departments. Although it is only a down payment, it is also a large amount of property. Therefore, people still need to be cautious in the process of paying the down payment for buying a house, so as not to be deceived by some unscrupulous merchants. If they encounter some problems in the process of buying a house, they can seek help from government departments.
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