In recent years, due to work, life, investment and other factors, the number of citizens who choose to buy houses in other places has increased year by year. Many people's vision began not only to be limited to their own cities, but also to those remote real estate with investment space. Many middle classes began to be keen to buy houses in Fangchenggang, Beihai, Sanya and other cities. What are the precautions for remote investment?
1. Estimate your purchasing power.
In advance, you should fully understand and master your own economic income and bank credit status (query at the bank). If necessary, you can log in to the personal credit information service platform of the credit investigation center of the people's Bank of China for self-service query, so as to avoid defects due to your own economic status or bank personal credit after signing the subscription (purchase) agreement with the developer, Failure to complete bank loan, mortgage and other procedures on schedule and default, and the paid deposit was' confiscated 'by the developer.
2. Understand the project site visit.
The main contents of the investigation include the price, location and quality of the local real estate, the information and brand reputation of the developer, the effect drawing of real estate planning and design, the contract sample and the floor, area, house type drawing and sales status of the specific room (ordering, sale, contract formulation, signed contract, license issuance, etc., as well as the supporting conditions of household facilities such as water, electricity, gas and optical fiber purchased and municipal facilities such as surrounding buses, hospitals, schools, road construction, shopping malls, supermarkets and vegetable markets. At the same time, carefully check whether the developer's real estate development qualification and sales license certificate are published in the real estate sales bulletin board on site --That is, the "two capital and five certificates": business license of enterprise legal person, qualification certificate of development enterprise, state-owned land use certificate, construction land planning permit, construction project planning permit, commercial housing permit (pre-sale) permit, house ownership certificate and construction project construction permit, so as to prevent the purchase of "small property right" houses.
3. Be familiar with local house purchase laws and policies.
Full consultation shall be conducted on whether it is the object of government purchase restriction and whether it meets the conditions for house purchase and entry. If it is a house purchase with provident fund, it is also necessary to know whether the provident fund can be used in other places. At the same time, according to the existing policies of the people's Bank of China, for example, the local real estate under the borrower's name is purchased with loan, and if the house is purchased in other places, it belongs to the second set of housing. If the house buyer is in the local real estate If it is purchased with one-time payment, it is possible to enjoy the preferential loan policy for the first house in other places. For non local registered buyers to apply for bank loans for house purchase in other places, in addition to providing ID card, household register, temporary residence permit, income certificate and bank card account number, the most important thing is to provide tax certificate or social insurance payment certificate for local work. However, at present The implementation of the purchase restriction policies of the State Council is different, so the specific requirements are also different.
4. Read the terms of the contract carefully.
Do 'look at the contract before paying', carefully read and understand the specific terms and contents such as the subscription (purchase) agreement, commercial housing sales contract and supplementary agreement, preliminary property service agreement to be signed with the developer, and determine whether the terms and contents are true and accurate, whether the responsibilities and rights of both parties are equal, and whether the liability for breach of contract is fair.
5. Check whether the contract attachments are complete.
When signing the commercial housing sales contract with the developer, we must carefully check whether the annexes to the contract are complete, such as: House plan and location map of the whole building, residential quality assurance, residential operation manual, etc.
6. We should ensure the safety of the allocation of house purchase funds.
Generally, it is not recommended to carry cash, but through bank transfer, which can be carried out by wire transfer, transfer, check, remote deposit and withdrawal, etc.