How to pay the rest of the money after the down payment?

After the down payment of a house, the remaining money is transferred from the loan bank to the developer's account. After signing the house purchase contract to pay the down payment, the lender can apply for a loan at the bank with the house purchase contract, the down payment certificate and the information needed for the loan. During the loan processing, the bank will provide the developer's collection account number. After the loan is approved, the bank will directly transfer the money to the developer's bank account.

The specific process of buying a house with a loan

1: Preparation before viewing the house

Before looking at the house, you can make a capital plan and make clear the available down payment funds.

It is best to have a specific range of down payment funds, and choose a suitable house within this range.

According to your own qualifications, determine the type of property you want to buy. If you can't buy a house for 70 years, you can buy a commercial and residential house.

2. On-site inspection

Going to the sales office to see the real estate needs to look at the project sand table, the apartment sand table and the regional sand table.

To understand the specific situation of the whole building, you need to ask the property consultant about the surrounding facilities and planning and construction, as well as the unit price and preferential activities of the house.

If you know about the auction project, in general, the surrounding facilities are still under planning, and you can check the surrounding planning documents on the government website.

3. Rank and choose rooms

For some centrally opened properties, the developer will let the buyers line up the numbers, and wait until the real opening day to choose the houses according to certain rules.

When choosing a house, the whole process is relatively compact, so buyers can make a backup plan in advance and try to choose their favorite house.

4: Subscribe

Choose a good house, if you want to subscribe, buyers need to prepare the materials for the qualification examination in advance, sign the subscription book and hand it over to the developer staff.

At the same time, a part of the deposit will be paid at the time of subscription. The deposit has a receipt (UnionPay receipt), and the amount paid by the deposit does not exceed 20% of the total house price specified in the contract.

5: Online signing, signing and down payment.

After submitting the house purchase qualification audit, the audit results will be issued within 10 working days.

After the approval, the developer informs the buyers to sign the purchase contract.

When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the rights and obligations in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, and whether the delivery date and delivery standard are clear.

Pay a down payment. General sales offices will have pos machines. Please keep the UnionPay receipt for payment and wait for the developer to issue the down payment invoice. Usually you can get it on the same day.

Step 6 get a loan

If there are bank staff stationed in the sales office, property buyers can hand over the prepared materials to the bank.

The time of lending is related to the processing speed of banks and the capping of buildings. Take Beijing as an example. In the case of timely delivery, after the loan time of commercial loans and municipal provident fund loans is capped, the mortgage time of state-managed provident fund loans has nothing to do with whether it is capped or not.

7: Check the house and close the house

After the first few steps are completed, buyers need to wait for the developer to inform them to close the house. Buyers need to pay attention to the closing time, carefully check every detail of the house when inspecting the house, and check the "three certificates, two books and one form".

If the developer can't produce these documents, he can directly refuse to accept the house. If you are uneasy about the inspection of your house, you'd better ask a professional to do it.

8: Pay taxes

After the house is repossessed, the full purchaser can pay taxes to the local taxation bureau with the purchase invoice and the measured area difference invoice (if the house area is different, there will be this invoice).

Generally speaking, commercial housing needs to pay deed tax and residential special maintenance fund, and commercial housing needs to pay additional stamp duty, and then pay property fees, heating fees, parking spaces and other expenses.

9. Handling the house book

Loans to buy a house, developers will generally find a third party to do it, and buyers only need to hand over the materials and expenses to the intermediary, waiting to get the house book.

Under normal circumstances, you will leave the house within 180 days (existing house) -270 days (forward house) from the date of occupancy.