Faster housing is a very popular housing at present, because there are many choices of apartment types, and the price is quite affordable. In addition, with the continuous improvement of surrounding supporting facilities, the house price will also rise. However, when buying an auction house, everyone should understand some basic issues, including the delivery process of the auction house and the introduction of the payment method of the auction house. If you don’t even know the basic process, you may encounter difficulties in applying later.
Delivery process of forward house
Developers have the obligation to inform the buyers. After the auction is completed, developers need to inform the buyers in writing of the time for delivery and acceptance. Owners who purchase faster houses need to bring the occupancy notice and relevant documents to the designated place within the specified time to inspect the faster houses and obtain written documents. Pay attention to the area of the purchased auction house, and ask the developer to give the "area measurement form", and ask what the pool area of the purchased auction house is, and how big the pool area is.
When accepting the auction house, the owner needs to invite professional inspectors to carefully check the quality of the house, record the existing problems and fill in the house inspection form truthfully. If there are quality problems in the auction house, don’t sign for it. Let the developer rectify the problems in the auction house and give a written commitment to repair them. After the later acceptance, the remaining house payment can be settled according to the measured area.
Introduction of payment method of forward delivery house
1. Down payment ratio: Generally speaking, buyers of the first suite can choose the down payment ratio or higher according to their personal economic strength. Generally, the down payment is 20%-30% of the total amount, etc. If the down payment pressure is high, they can choose to pay in proportion, and the balance can be supplemented by provident fund loans or commercial loans.
2. Monthly payment: After the loan is granted, the monthly payment will be made from the date of loan granting, and the monthly payment amount of provident fund loans can be adjusted. Find the corresponding telephone number and change the payment amount for next month one month in advance. The monthly payment is related to the bank interest rate. Remember to adjust the monthly payment quantity reasonably according to the interest rate at the beginning of each year.
3. Purchase in full: The auction house can also be purchased in full. As long as it has financial strength, it will wait for the developer to notify the house to be closed after the payment. The disadvantage of purchasing in full is that the amount of money is large, but the advantage is that it does not need to be a house slave and pay interest to the bank. Generally speaking, the interest of a house of 1 million is about 200,000.
4. When the house is closed in advance, when the payment is generally made, the corresponding house purchase contract is signed. With the contract and the purchase invoice, it proves that the house has been bought. However, when the house is closed in about one year, the house is really bought.
Through the above analysis, we should know the delivery process of faster delivery and the payment method of faster delivery. In fact, there are more and more auction houses, and there are different purchase methods and requirements. You may attach great importance to the proof of property rights and prices of these auction houses, and some buyers will attach great importance to the payment methods, so you should screen them according to your actual situation and needs.
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