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Precautions for first-time buyers

2018-03-16 20:48:00

Buying a house is a very happy thing, and it is also a matter of pride. However, if some steps are not paid attention to, there will be all kinds of anger and collapse in the middle of buying a house. Xiao Bian was deeply tortured to say. We are not only concerned about the quality of the house, word of mouth and so on. If you're buying a house on mortgage. This step is also very important to pay attention to.

Notes on loans
1

Preliminary preparation:

2

Some people may not have a very high salary, and most of the houses are bought with the down payment from the family. Your own bank statement may not be pretty. Before you buy a house. It's better to keep a nice running list. Put some money in your bank card every month. So there is a deposit record!! Will increase your approval rate!! The bank account is twice the monthly payment required for your loan!! Some banks need more than 5000. Some of them, not much.

3

Loans should be in round numbers:

4

Because bank loans are made in round numbers. It's not going to be loaned to thousands. If you take a chance in your heart. Think it'll pass! It's hard for banks to lend when lending is tight. So conditions permit. Try to round up! You need a loan of $325,000. Try to loan only 320,000!!

5

Try to quit as little as possible before buying a house:

6

If you're constantly bouncing from job to job. Getting a loan is very difficult! If you want to buy a house. Try to stay together. Those who want to resign will resign after the loan is issued!

7

Try to let developers pick the banks

8

Because if you pick your own bank. If the loan is not issued. This is your responsibility. If the developer picks the bank. The loan didn't go through. You can also force the developer to help you find a way!! If the loan is not issued, even if you will be held accountable, if you choose the bank. The developer will certainly not have but any responsibility!!

Notice of house viewing
1

Avoid the deposit trap:

2

Many developers will offer some kind of discount. How much deposit is required? Some developers still get refunds. Some quit for a variety of reasons. So if you pay a deposit. Must look at the deposit contract!! And Chinese characters. Broad and profound. The meaning of Ding and ding is similar, but the difference is very big. So the difference to be clear, to avoid into the deposit trap!

3

Avoid the house grab trap

4

Developers always create some kind of atmosphere to grab houses. Let many buyers concentrate on a period of time to grab a house together! So many people in order to grab a good room number. I won't think twice about grabbing the house! And many developers don't announce prices until just before they grab them. So be sure to calculate after deciding whether to rob!! Do not grab after the price is too high!!

5

View house size:

6

Sometimes look at the model room, because the decoration effect will appear big house! So look at the house to buy rough as far as possible to take the undecorated house as a reference!!

7

View developer reputation:

8

Online can directly search this property how! Or go to Soufun to find out whether the developer and the real estate have rights protection posts! Some even have video exposure. You can search the property or developer's name in the video. Avoid buying a house from a shady developer!!

9

Look at the five certificates: the developer must have these five certificates to sell houses! The five certificates include: 1, "Commercial housing sales (pre-sale) License"; 2. Construction Permit for Construction Projects; 3. Construction Project Planning Permit; 4. Construction Land Planning Permit; 5. State-owned Land Use Certificate.

Precautions for signing a contract
1

Try to find a friend who has experience in buying a house to sign a contract with you. When buying a house, there is no time to read the contract, because the contract has a very thick one. If you read it word by word. Probably few people have the patience!! So it's easy for developers to take advantage of the loophole!! Go with a friend who bought a house. It'll help you focus. Also avoid a person nervous!!

2

Check out agreement to read carefully:

3

In the process of issuing a house loan, sometimes there will be a lot of disputes! And especially buying an off-plan home! There are also many problems in the construction of houses. So the check-out agreement column needs to see how the developer rules!!

4

Delivery standards and delivery time need to be carefully read:

5

Delivery standards need to see if the contract above does not meet the requirements of the place! Because this is the most important basis for future housing! And also need to see if the delivery time is longer. What compensation will the developer make!

6

The secret of giving away space:

7

Some houses will give away the area as a selling point! However, when some children's shoes were collected, they found that the actual area was much smaller than the publicity. Small series of developers to buy a house is. Said it was a free 19. Plus the original 104. A total area of 123 square meters! In addition to open the public share at least there are more than 100 flat!! But the field measurement is only 85. And then there was a giveaway on the contract! At times like this, you can't even make sense. So if there is a gift, be sure to read what the contract says. Conducive to future rights protection!!

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