Want to buy an auction house, what should I pay attention to when paying the down payment!

1. Does the developer have "five certificates"?

The so-called "five certificates" are the construction project planning permit of the planning department, the state-owned land use permit of the land department and the construction land planning permit (proving that the developer has paid the land transfer fee and has property rights protection); Construction project license of the construction department and commercial housing sales (pre-sale) license of the land department.

In particular, the pre-sale permit for commercial housing, with a permit, means that developers have land use permits, planning permits, construction permits and so on. This is the key to buying a house. When purchasing, you need to pay attention to whether the purchased building number is within the pre-sale range. ?

2. Look at the contract?

The contract signed with the developer must use the standard house sales contract text uniformly printed by the real estate management department, and fill in the terms listed in the text item by item. Never be careless.

3. Pay attention to the terms of the contract

In fact, the optional clauses and additional clauses of the standard contract are different. Property buyers should pay attention to whether the rights and obligations in the contents filled in by both parties are equal. Some developers have filled in the contract text in advance, and even the supplementary terms are filled in by themselves, which mostly leads to the unequal rights and obligations agreed upon. Once this happens, buyers must put forward their own opinions and never make a move.

4. Pay attention to whether the payment method of house sales is standardized.

The amount, time limit, method of payment and liability for breach of contract are stipulated in the contract. Otherwise, once a dispute occurs, it is often difficult for buyers to prove their responsibility.

5, clear delivery date

It is common to delay the delivery of the house due to insufficient funds. When signing the contract, the buyer must accurately determine the delivery date as "a certain month and a certain day", and indicate the responsibilities that the developer needs to bear if the delivery cannot be made on time.

Extended data:

Down payment is the lowest proportion of down payment according to the national proportion when buying a house. Of course, the payment can be higher than this amount, but not lower than it, and the rest can be borrowed from the bank. There are many kinds of loans to buy a house, including provident fund loans and commercial loans. Cities are slightly different. The first set, provident fund loan 20%, commercial loan 30%, the second set of housing 40%. ?

Generally speaking, if you choose a loan to buy a house, you can pay the down payment to the real estate developer after signing the commercial housing sales contract (including the pre-sale contract of commercial housing), and the developer will issue a receipt for the down payment. Property buyers apply for mortgage loans from banks with purchase contracts, down payment receipts and other materials. Simply put: sign the contract first, and then pay the down payment.

References:

Down payment-Baidu encyclopedia