Regarding the basic process of buying a house, you may not be sure about it, so I will briefly write it down for everyone to see.
Of course, the first step is to look for a house everywhere, which is actually the most tiring part. After all, when the housing price ceiling is completely in the seller's market, the more you look at the house, the more tired you will feel. The more you look, the more you will feel like a beggar!
If you really find the house you like and the price is acceptable, if you use a real estate agent to help you negotiate, of course you will pay a mediation fee, usually around 100,000 as a benchmark, or 2% of the total price.
Do you feel that the generous offer of one million represents your sincerity? It’s useless if the owner doesn’t accept it, and the real estate agent will feel tired of keeping so much cash.
When a deal is actually concluded, most of the money will be refunded to the person who got the agent. After all, the agent has no obligation to help you keep it and deposit the first down payment.
A scrivener, or land scrivener, is a real estate professional who specializes in applying for house and land transfer, land registration, etc., and "land agent" is the current official name of a scrivener.
As for some of Fang Zhong’s traps and related precautions, I will find time to write them separately, otherwise I won’t be able to finish them.
After finding the house you like and agreeing on the price, the next step is to make an appointment with the agent to sign a contract and enter the "Performance Guarantee" stage. The full name is "Price Trust Performance Guarantee", which mainly uses a third party to help You are responsible for the safety of your cash flow.
Although there will definitely be a certain amount of fees for performing insurance, in order to protect the transaction between both parties, I sincerely recommend that you do it. Don't foolishly just save some small money, and then be directly defrauded of your life savings by a real estate cockroach.
The main process of guarantee performance is eight major items: signing, sealing, issuance of tax bill, tax payment, transfer, compensation, payment, and case closure.
In this article, we only talk about signing contracts, and signing contracts is actually the most important thing when buying a house. After all, all your rights and interests will be written down at this time. If you don’t pay attention to it, it may cause a lot of trouble in the future. thing.
When signing a contract, the key points are to sign the "Special Real Estate Sales and Purchase Contract for Performance Guarantee", "Application Form for Price Trust Performance Guarantee" and the Funding Entrustment Letter.
At this time, in addition to the current condition of the house, as well as the large appliances and furniture that will be left to you as a bonus, you must fill it out clearly when signing the contract. For example, if anything is broken or will be moved, or You must carefully inquire the original owner and fill in the contract one by one. After all, this will affect the subsequent handover of the house.
Also remember to fill it out and ask the original owner to check for leaks before handing over the house. After all, no one wants to buy a house, only to find out after moving in for a few days that it will turn into a water town on a rainy day.
If you are not a domineering rich man who pays in full, but a house slave who wants to apply for a mortgage, the most important thing you should pay attention to when signing the contract is that you must ask a proxy to fill in this item for you. But:
"Both parties agreed not to specify the bank interest rate or loan period. As long as the loan percentage is less than x%, this contract will be deemed invalid. The seller will refund the purchase price without interest and bear the remaining expenses separately."
If this had been filled out in the contract, it would not have caused so many people now to be anxious because the water level has exceeded the warning line, thinking that they will not be able to get the loan and will face the problem of defaulting and losing money. After all, the loan There’s nothing you can do if you don’t get it!
As for the percentage, you can discuss it and how much should be filled in. Usually, the agent is like a snake. You should have a good idea of the house you want to buy. You should know where the bank will estimate the value and what percentage you are willing to lend. .
Usually, as long as it is not in an urban planning area and the house is more than 30 years old, I suggest you just fill in 70%. Don't think that you are the chosen one, the bank will specifically lend you 80%.
If you are buying from the Tianlong District of the Tianlong Kingdom, you can really feel free to fill in the 80% mark. After all, almost all of the capital is an urban planning area, and the commercial value is really high.
As for the urban planning area, I probably don’t need to explain it any further! After all, you have started looking for a house and want to buy a house. This is the most basic common sense and should not be difficult to understand.
Having said this, you should have a good idea of how to avoid the subsequent problem of not being able to get a loan! After all, writing clearly in black and white is the most important thing!
You said filling it out like this only guarantees the purchase of a house. Can the seller also write a proviso?
Of course it’s possible!
The seller can write in the special proviso this way: "The buyer does not have a bank relationship, but the personal credit loan is less than 10%. It will be directly considered a breach of contract and the 10% down payment signed under the contract will be forfeited."
You can also add one more: "During the buying and selling period, if you wait too long and a new buyer appears and wants to buy at a higher price than the current price, you can terminate the current contract unconditionally."
After all, buying and selling cannot only protect the buyer, but the seller can only wait for time, and there is no benefit at all!
After completing the contract signing, the land manager will issue a letter of guarantee to both parties and send the relevant documents to the bank that performed the guarantee.
# Xinqing'an # loan # housing loan # proviso # scrivener # land official # guarantee performance # signing # with seal # issuance # tax bill # tax payment # transfer # compensation # point payment # case closed # house purchase # catching leaks # Shuixiang Zeguo # transaction # Mediation # Real estate # Beggar # Down payment # Bank # Interest rate # Ratio # Default # Third party # Urban planning area
Who do you like the most? Everyone wants to buy her house!
This website does not have those annoying ads that block the webpage and hinder reading!
If you think the article I wrote is helpful to you, could you please fill in a Questionnaire, allowing me to better understand everyone’s needs and write more high-quality content.
