This year's property market can be said to have disappointed everyone fiercely, in September 70 large and medium-sized cities house prices as a whole dived, new houses fell to 36 cities, second-hand houses fell to 52 cities, more importantly, this is the first time in more than six years that house prices fell into a general decline. The data shows that in October, the transaction area of new houses in 45 monitored cities was 19.163 million square meters, down 10.8% month-on-month and 29.1% year-on-year. More than 80% of the top 100 housing enterprises have experienced a year-on-year decline in single-month performance, of which 44 housing enterprises have fallen by more than 30%, and Evergrande has the largest decline, about 90%.
Volume decline, housing enterprise income is blocked, price for volume stimulation of the market is inevitable, gold nine silver ten cold, many people who are ready to buy a house now mostly want to continue to wait, see how much the lowest point of house price reduction is, then should we give up buying a house in November? It is recommended that everyone treat it rationally, because a signal appears.
According to the "Securities Daily" report, the lending time in many cities began to narrow, shenzhen the fastest one month Shanghai shrank to two or three months, some small and medium-sized banks in Beijing have a sufficient amount of lending, the speed of lending is fast.
Why is it said that mortgage lending will promote home buying power? Because there are many conditions for mortgage application, including multiple restrictions on age, time, salary, work, account, etc., because most people need to rely on mortgages to buy a house, there are more applicants, and the balance of the bank mortgage part is small, and the loan will become slower and more difficult.
When buying a house, if it is the use of the down payment plus mortgage to buy a house, the contract will stipulate the time of the last mortgage to the housing enterprise, beyond this time, it is overdue, generally will agree on overdue compensation, this compensation is mostly the deposit to the developer to compensate, the Civil Code stipulates that the party who pays the deposit does not perform the debt or the performance of the debt does not conform to the agreement, resulting in the inability to achieve the purpose of the contract, there is no right to request the return of the deposit; the party receiving the deposit does not perform the debt or the performance of the debt does not conform to the agreement, If the purpose of the contract cannot be achieved, the deposit shall be returned twice.
Overdue can not call the remaining purchase price, although the down payment can be returned, but the deposit is also tens of thousands, so it is a pity to lose it, so after seeing the growth rate of mortgage lending, some families who are afraid of the difficulty of issuing mortgages will be anxious to buy a house, demand is an important part of the change in house prices, demand increases, and the warming of house prices is visible. Then buying a house early now can avoid the risk of spending more money after the house price rises.
But for the current demand, there is a condition to buy a house just need, there are 3 notes must know when buying a house:
First, try to buy an existing house
This year, Evergrande such a leading housing enterprises also appeared in the debt crisis and real estate shutdown problems, although now many projects resume work, but from the reflection of netizens, it can be seen that most of them are first-line, hot second-tier cities in the resumption of work, other ordinary second- and third-tier cities of small and medium-sized projects, still waiting, in order to ensure the safety of buying a house, or try to take the existing house as the first choice, although the discount is very small, but at least there will be no house rot, no return.
Second, take the rough house as the first choice
There are many news reports on the quality of hardcover houses every year, the reason is that buyers can not be sure what materials the housing enterprises have bought, most people are not professional material dealers, can not directly find the problem of cutting corners when looking at the house, wait until the house lives for a period of time to find out, the developer has a new project developer, rarely will be the aftermath, the property will kick the ball to the developer, the unfortunate is the resident. Therefore, or directly buy a rough house, the quality of the house can be seen at a glance, find your own decoration company to install, the price is also cheaper.
Third, determine the qualifications for buying a house and a loan in detail before applying for a mortgage
The state to control the sharp rise in housing prices, many cities have introduced the requirements of purchase restrictions and sales restrictions, the qualifications are not enough to buy a house and apply for a mortgage are difficult, do not listen to the intermediaries and some housing enterprises of the operable method, because they want to help you get the qualification to buy a house, loan qualifications, is to forge materials, is illegal. For example, Wuhan City, which is fraudulently obtained from the purchase of housing, requires that the family's qualification for the purchase of the house be cancelled and included in the blacklist of dishonest persons in housing transactions, and the application for the family's qualification to buy a house will not be accepted within one year.
Where a loan is fraudulently obtained, article 193 of the Criminal Law stipulates that if a loan is defrauded of a bank or other financial institution for the purpose of illegal possession, if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not less than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or has other serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly large or has other particularly serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment. It shall also impose a fine of between 50,000 and 500,000 yuan or confiscation of property.
Therefore, if you want to buy a house, you must consult the city's purchase qualifications in the formal department, do not meet, do not rush to buy a house for the time being, now there are national restrictions on the rise in house prices, short-term really can not buy, house prices will not rise to the level of sky-high prices, to go to the bank to learn more about their loan qualifications, in the various procedures legal compliance to buy a house, so that you can normally apply for real estate certificates in the future.