Is the parking space suitable in the total house payment?

1. Is the parking space suitable in the total house payment?

Generally speaking, parking spaces cannot be loaned from the total house payment, and the funds for applying for mortgage approval can only be used for house purchase expenses. At that time, the bank will freeze the payment to the bank card under the customer's name, and then the system will immediately transfer the money to the account designated by the real estate developer to pay the remaining house payment, so as to ensure the special fund is special.

However, customers can apply for loans for exclusive parking spaces when applying for mortgages, or they can apply for personal consumption loans to purchase parking spaces.

Second, the bank borrowed money to buy a house and a parking space, and the house payment came down, but the parking space didn't come down. The parking space was the credit of the loan, and the bank said that the computer popped up a notice saying

Be extra careful when buying a house. It will be of great help to you to know more about the matters needing attention in buying a house. I

The first category: false advertisements

Well-designed advertisements are often blown up, and many buyers have the desire to buy a certain project or sand table at the exhibition. "Model houses" also play with model houses to deceive consumers, such as the quality signs of model houses, the use of visual errors in decoration, furniture rulers and so on.

Response: When buying a house, if necessary, all the contents of advertising should be included in the formal contract, so as to be guaranteed.

Category II: Auxiliary facilities

The life supporting promises are perfect, but when the buyers really get the keys to the house and prepare to move in, they will find that many promises are not in place.

Response: property buyers should calmly analyze the possibility and rationality of various supporting facilities and not be confused by superficial phenomena. If the developer provides free transportation, can it be free for a long time? The second is to investigate whether educational facilities are equipped for the education administrative department. Once the supporting facilities provided by the developer are not equipped, it will be in trouble.

The third category: internal subscription

Internal subscription is real estate. Because the price of commercial housing subscribed internally is relatively low, it attracts many property buyers. However, some internally subscribed commercial houses are sold without obtaining the Pre-sale Permit for Commercial Houses, which is not protected by law and the rights and interests of buyers cannot be guaranteed.

Response: It is best not to buy this kind of commercial housing. As for the owners or investors who want to buy low-priced houses, they should choose properties with good reputation, strong strength and market brands.

The fourth category: property management

The developer's compulsory service industry has harmed the legitimate rights and interests of the owners. Or secretly change property management companies after a period of time, shoddy.

Response: When signing the house sales contract, if the service period of the designated property management company exceeds one year, the purchaser shall put forward additional conditions against the wishes of the interested parties.

The fifth category: avoiding debts.

Bankruptcy is a common trick of many companies. Some irresponsible enterprises often transfer their assets to another project, or hide their assets, withdraw funds, make false accounts to create the illusion of bankruptcy and engage in false bankruptcy.

Response: The owner can try to choose a reputable developer, distinguish the relationship between shareholders and the company, and make unannounced visits to the actual property of the project company.

Several aspects of property management companies:

1. If the approved price is exceeded, a management fee will be charged.

2. raise the charging standard without authorization and earn the difference in fees.

3. Increase the project construction without authorization, and share the cost with the owner.

Response: Owners should actively participate and select owners' committees to serve all owners. In this way, the owners' committee can choose a property management company with good reputation, or terminate the property management with bad reputation, and has the right to supervise the behavior of the property management company.

Category VII: Purchase Contract

The purchase contract signed by buyers and real estate sellers will have blank places as supplementary terms of the contract, but if the two sides do not have supplementary terms, they should pay attention to the blank places of the contract and don't let the developers do anything.

Response: When signing the purchase contract, buyers must read the full text patiently and fill in the contents of their due rights and interests in the blank. If you don't need to fill it in, you should also draw a horizontal line.

The eighth category: the real estate license is delayed.

When some owners buy a house, the developer promises to handle the real estate license within three months, but sometimes the real estate license has not been handled for several years. Every time I went to the developer for several years, the other party had a set of excuses, and the most used sentence was "being processed".

Response: when buying a house, see if the "five certificates" of commercial housing are complete. That is, state-owned land use right certificate, construction land planning permit, construction project planning permit, construction project commencement permit and commercial housing pre-sale (sales) permit. If it is not complete, consumers may not get the real estate license after purchase, and the quality of commercial housing will not be guaranteed.

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Third, can it be included in the house price for mortgage loans?

If you buy the house together, you can sign a contract.

Mortgage loan refers to a loan business conducted by mortgage. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase the housing provide regular guarantee. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.

4. Can the parking space be included in the total loan amount?

Generally speaking, parking spaces cannot be loaned from the total house payment, and the funds for applying for mortgage approval can only be used for house purchase expenses. At that time, the bank will freeze the money when it is distributed to the bank card under the customer's name, and then the system will immediately transfer it to the account designated by the real estate developer to pay the remaining house payment, so as to ensure the earmarking.

However, when applying for mortgage, customers can apply for exclusive parking space loans from banks, or they can apply for personal consumption loans to buy parking spaces (different banks have different regulations, please consult the customer service of the local handling branch for details).