What matters and details should be paid attention to when buying commercial housing?

Buying a house is a big deal, but it is also a very troublesome thing. It is necessary to know more knowledge. I'll tell you something first, and then I'll read it. You can consult if you encounter specific problems. Please refer to: /choose/index. html See: /contract/ This question may be complicated. Be careful! It is not difficult to write these questions into the contract. Matters needing attention in signing the contract: 1. The clubhouse will be used at the same time. Otherwise, nothing; 2. Hall specifications 3. Attachment 4 of the advertisement. Description of floor 5. How long does the title certificate last? 6. Copy all relevant documents? 7. The original power of attorney of the signatory? 8. Check the Measures for the Administration of Commercial Housing Sales? 9. Request to attach the area measurement certificate 10, review the developer's qualification, sales qualification 1 1, and the exclusive right of the overground property. Key contents such as house structure, apartment type, interior construction area, pool area, price and payment term, delivery time of house property certificate, quality terms, warranty responsibility, etc. Should be treated with caution. 12. If you plan to buy an auction house with a bank loan as collateral, you should consider the failure of the loan, because the bank should not only review the construction of the building, but also review the lender's credit standing and repayment ability before lending. Therefore, it is stipulated in the supplementary agreement in advance that the failure of the loan can terminate the sales contract, which can save a lot of trouble and the purchaser will not spend energy to recover the down payment already paid. 13. 1. If the absolute value of the area error ratio is less than 3% (including 3%), the house price shall be settled according to the facts; 2. When the absolute value of the area error ratio exceeds 3%, the buyer has the right to return the house. If the Buyer cancels the house purchase, the Seller shall return the paid house price to the Buyer within 30 days upon the Buyer's cancellation of the house purchase, and pay the interest on the paid house price. If the Buyer refuses to return the house, and the registered area of property rights is larger than the area agreed in the contract, the house price with the area error ratio within 3% (including 3%) shall be made up by the Buyer; More than 3% of the house price is borne by the real estate development enterprise, and the property right belongs to the buyer. When the registered area of property rights is less than the area agreed in the contract, the house price of the part with the absolute value of the area error ratio within 3% (including 3%) shall be returned to the buyer by the real estate development enterprise; The absolute value of the house price exceeding 3% shall be returned to the buyer by the real estate development enterprise twice. Both parties may also stipulate in the contract that one party shall pay a certain amount of liquidated damages to the other party according to the situation of breach of contract, and may also stipulate the calculation method of compensation amount for losses caused by breach of contract. 15, central garden area, swimming pool confirmed as contract 16, check five certificates, land use certificate, construction land planning permit, construction project planning permit, construction project commencement permit and commercial housing pre-sale permit. Whether to transfer the land, land approval documents, holding the construction project planning permit and the construction permit of 1 State-owned land use right certificate, which proves that the developer has obtained the land use right according to law and paid the land transfer fee; 2. Construction project planning permit, and the planning of the house has been approved by the planning department; 3. Construction land planning permit, allowing the development and construction of this project on this land; 4. Construction project commencement permit, allowing the project to start construction; 5. Sales license, allowing the sale of the house. The developer guarantees that the above five certificates are true, valid and unmodified final versions, and we reserve the right even if we are notified of any modification. 17, for example, depends on whether the land certificate indicates that the land has been mortgaged by the bank, and the pre-sale permit does not include the houses being sold by real estate developers. At the same time, it also reminds buyers that it is not enough to look at the "five certificates". Also know whether the real estate agent is qualified, the overall planning of the community, whether the house to be bought has been mortgaged by the real estate agent ... confirm that there is no mortgage 1. Construction land planning permit is not mentioned in the Measures for the Administration of Commercial Housing Sales and Pre-sale and the Model Text of Commercial Housing Sales Contract of the Ministry of Construction. Upon investigation, the planning and construction units listed in this permit can apply for changes, and there is no guarantee that the planning environment of the house purchased by the buyer will not change. 2. There are more than one or two houses with pre-sale permit and no land certificate. According to the relevant provisions of the Ministry of Construction and the model text of the contract, the documents of approval that are useful can be transferred. The authenticity and validity of the approval documents are more difficult for ordinary buyers to distinguish. 3. According to the relevant provisions of China's Mortgage Law, mortgaged property does not mean that it cannot be transferred (sold), but it can be transferred (sold) with the consent of the mortgagor. In practice, it is not necessarily a bad thing for real estate developers to speed up housing construction by exchanging land for loans. Without liquidity, the house will not be built for a long time, and the risks are different for buyers. 4. Real estate developers sell beyond the permitted area, which can't be seen from the room number. Recently, the area dispute of a residential area in Beijing was actually that the real estate developer tampered with the pool, and all the room numbers were included in the permit. It was difficult to see the flaw in the permit at that time. 5. There is no mandatory requirement for real estate developers to show the original "five certificates" to buyers when selling houses. Salespeople often show copies to buyers. If developers tamper with copies, property buyers are still hard to prevent. In view of the above analysis, the author believes that the way for buyers to protect themselves can only start with the contract and "transfer" the risk to the government. The contract signed with the real estate developer clearly stipulates in Article 6 "Payment Method and Term": "The first payment time is within _ _ days after the contract is filed and registered by the government." In this way, all the verification procedures will be completed by the government, and any problems in the future will be the responsibility of the government. At present, the only criterion for the court to judge whether the contract is valid is whether the contract is registered with the competent government department. The premise of whether the bank can grant loans to property buyers is whether the contract is registered with the competent government department. For buyers who are particularly concerned about the living environment, it is best to start with the supplementary agreement of the contract and ask the director to indicate the conditions such as lighting and apartment spacing. This is more practical than the scheme that can be changed after investigation: 18, electricity load 19, no toll 20, environmental protection decoration without odor 2 1, property retention period 22, property mortgage 23, where to dispose of garbage 24, and one ten thousand penalty is too low 25. According to the contract and the law, you must check the corresponding legal documents when you close the house. 26, confirm the description of the floor and building number 27, the developer is responsible for the quality of the products given. 28. Require the developer to promise the progress of the project to facilitate litigation before bankruptcy. 29. Can it be written that it is owned by two people, and the developer may not mortgage the property rights? 30. Stamp duty is 3 1, and land use tax is paid by both parties. Hehe, you will become an expert when you buy a house. /question/1436410.html There are many kinds of housing loans, including provident fund loans and commercial loans. Before making a loan, you need to know how much money is in your provident fund account and how much money your unit gives you every month. Only by knowing your own situation can you get a loan. Provident fund is a kind of welfare for employees, and the loan interest is much lower than that of commercial loans. Commercial loans can generally be combined with provident fund to make a portfolio loan. If you want to borrow a lot, but your provident fund balance is not much, you can combine loans at this time. After determining your own provident fund, choose a house. Determine the total price and down payment of the house, and the total price MINUS the down payment is the loan money. You can't get a down payment, so you must have some cash on hand. General down payment is 30%. If you have more than 30% down payment, you can also give cash. The reason for this is to reduce the amount of money you borrow, because loans need interest, so in terms of the total amount, the more cash you give, the less loans you get. Of course, it depends on your own situation. When you get a loan, you should have a guarantee. For example, if you want to borrow 65,438+10,000 yuan, then you should provide 50,000 yuan of provident fund guarantee. You can find friends in your city and join hands to add up the total balance of the provident fund to more than 50 thousand. In addition to provident fund guarantee, there are passbook guarantee and real estate license guarantee, but these two are more troublesome. Passbook guarantee, if you want to borrow 654.38+million yuan, you have to use a passbook of1654.38+million yuan, and the passbook cannot be withdrawn at maturity; Property guarantee depends on the size of the property you provide, even if it is too small, it can only be local. Guarantee means that someone else gives you a guarantee that the money in your account can be taken out. You can take the exam once a year. So withdrawing money and lending are two unrelated processes. After the loan is completed, the bank will give you an account number, and the provident fund center will calculate the money you need to pay back every month. You just need to remit the money to this account before the 20th of each month. You can also repay the loan in advance, but the loan must be 1 year. You can pay less interest if you prepay. But the specific rules depend on the contract you signed with the bank.