Many people can't buy a house in full, so they have to use loans to relieve the pressure. However, the use of loans involves the issue of down payment (installment payment is also required). When will the down payment be made? How much is the down payment?
1、 When will the down payment be paid for buying a house?
If the buyer chooses to buy a house by means of loan, the general time point should be after signing the sales contract. After paying the down payment, buyers should remember to ask the developer for the receipt of the down payment. Because in the process of applying for loans, buyers must provide purchase contracts, down payment receipts, etc. Otherwise, the bank cannot approve the loan.
2、 How much is the down payment?
Different cities and banks have different regulations on the down payment ratio required to buy a house with a loan. For a simple example, the minimum down payment for the purchase of the first house in Beijing and Shanghai is 35%, while most second tier cities such as Tianjin stipulate that the minimum down payment for the first house purchase is 30%. In addition, the identification of the first house is also different from place to place. Some require no house and no loan, and some can have house and no loan or the loan has been settled.
2、 What should we pay attention to when paying the down payment?
1. Check five certificates
As buyers buy a new house, they are very likely to buy a new house. Therefore, it is important to understand the five certificates of developers, which is an important certificate whether they can handle the property right certificate. In addition, what buyers need to pay attention to is whether the purchased building number is within the scope of pre-sale, so as not to confuse the real with the false.
2. Check the contents of the contract
Because buyers generally pay the down payment after signing the contract, they must check the contents of the contract and fill in item by item according to the terms listed in the contract text. If you don't understand or don't understand or have questions, you should put forward them in time and never act rashly. Key items to be checked include:
(1) Look at power and responsibility
Buyers should see clearly the housing amount, delivery time, delivery period and liability for breach of contract in the contract. If the content of the contract is ambiguous, once a dispute occurs, it will be difficult for buyers to prove their responsibility.
(2) Look at the delivery date
Some developers will make a fuss on the pre-sale contract, such as only indicating the completion date, not the delivery date; Use some vague words such as' after the water and electrical installation, after the quality inspection is qualified, and after the supporting of the community is completed, it will be delivered to the house '. At this time, the house that buyers get when they deliver the house cannot be decorated and checked in. Therefore, the delivery date should be clearly specified as' a certain day, a certain month, a certain year ', and indicate the responsibilities that developers need to bear if they cannot deliver the house on time.
(3) Confirm the area treatment method
Many buyers will encounter the inconsistency between the measured area and the contract area, so they should see whether there is an agreement on area error in the contract before paying the down payment. If there is no agreement, the buyer should know the treatment method:
If the absolute value of the area error ratio is within 3% (including 3%), the house price shall be settled according to the facts; When the absolute value of area error ratio exceeds 3%, the buyer has the right to check out or negotiate with the developer.