In 2022, the property market is still in a turbulent period, and the families who are just in need of buying a house this year must improve their vigilance, if they do not want to let hundreds of thousands of down payments drift, they must confirm these 5 things in advance:
First, confirm the developer's business situation
Taihe, Evergrande, Baoneng, Contemporary, Blu-ray Development, Aoyuan, Sunshine City and other top 100 housing enterprises capital thunderstorms, buyers will take the initiative to stay away from these housing enterprises that have been plagued by negative news when choosing a house. But now the more difficult situation is that there are many developers with superficial scenery and in fact, which make buyers who just need to be overwhelmed. In this case, if you want to understand the operation of housing enterprises, you can't just look at the annual financial report every year, and don't rule out that some housing companies will falsify the data in order to boost market consumer confidence, here to share a tried-and-true method:
When the real estate sales are sluggish, the developer will take the initiative to seek intermediaries to help sell houses, and promise to give higher commissions than other real estate, at this time, the real estate agents are driven by interests, they will be crazy to push customers for the real estate, but afterwards the developer is unusual, find an excuse to refuse rebates, in this case, the intermediary company will terminate the cooperation with the developer, in fact, in the current situation, the developer's dependence on the intermediary is high, dare not easily offend the large intermediary company, if the developer unloads the donkey, refuses to rebate, It may be that the company has reached a critical juncture that cannot be saved, and it will not take long for the negative news of debt default to come out, before the negative news of Evergrande broke out last year, there was this very similar development trajectory, so buying a house should not only do homework half a year to a year in advance, but also learn to be friends with real estate agents, and the information they provide for you may help you avoid a lot of troubles.
Second, confirm your own qualifications to buy a house
2022 property market regulation into a new stage, from the past tightening gradually turned to loose, according to incomplete statistics, since March, there have been 6 cities including Zhengzhou, Harbin, Qingdao and other cities to relax or cancel the "two limits" policy, the property market regulation and control of the city list is still stretching, here to remind buyers to pay attention to two points:
First of all, the cancellation of the purchase restriction, sales restriction, loan restriction policy is only a few cities, and there is no national implementation, buyers do not be blinded by the false words of ill-intentioned sales, before buying a house, you must carefully study the purchase restriction policy of the city that buys a house, and verify whether you have the qualifications to buy a house;
Second, we must not falsify the qualifications to buy a house. Although the real estate industry is sluggish, the price of the house is unreasonable, but the house and marriage, education, hukou and urban resources bundled, most of the people just need to avoid the reality of buying a house, some people who do not have the qualification to buy a house or want to change the first set of two sets, will buy a house by forging the social security payment period or applying for a fake divorce certificate, once found by the bank and the housing management bureau, can only terminate the transaction, the buyer not only loses the deposit, wants to return the down payment, but also needs to argue with the developer for a long time, may delay the purchase of the house.
Taking a step back, now that the real estate industry is cold and obvious, reducing the threshold for buying a house has become a trend, and people who do not meet the qualifications for buying a house can accumulate the qualifications to buy a house while waiting for the threshold to be lowered, moreover, the current house price is still facing this downward pressure, there is no need to risk being punished to buy a house illegally.
Third, confirm your loan qualifications
The mainland's house price income ratio has far exceeded the reasonable level, now most people can only rely on loans to buy a house, banks are not charities, in order to avoid the borrower's supply cuts, before lending, there will be a strict review of buyers, mainly including credit reports, bank flows, income certificates.
Among them, the credit report is printed from the official website of the central bank or other commercial bank outlets, which details the borrower's loan and repayment information in the past 5 years, and if there are 3 consecutive accumulation of 6 overdue repayment records, the mortgage application will be directly rejected.
The bank will also require the borrower to provide bank statements within half a year to one year, including salary flows, transfer flows and self-deposit flows, etc., and the income reflected in the flow must be able to cover twice all loans under the name, otherwise the mortgage application will be rejected by the bank.
Proof of income is a relatively minor item, because it is issued by the lender's own unit, there is a lot of room for counterfeiting, usually only as a supplementary reference. If you have a loan to buy a house, be sure to maintain your credit report and bank flow in advance. Otherwise, it is impossible to buy a house without loan qualifications.
Fourth, confirm the pre-sale fund supervision account
Supervision of pre-sale funds for commercial housing refers to the third-party supervision of the pre-sale funds of commercial housing by the competent administrative department of real estate in conjunction with the bank, and the real estate development enterprises must deposit the pre-sale funds into the special supervision account of the bank. The pre-sale funds must be used for project construction, and the purpose of setting up the account is mainly two, on the one hand, it can standardize the use of housing enterprise funds, ensure that the project is delivered on schedule, and avoid the phenomenon of delayed delivery and real estate failure; on the other hand, the pressure on the capital chain of housing enterprises is conducive to forcing housing enterprises to reduce prices and promote promotions.
But in actual life, due to lax supervision and lack of awareness of home buyers and other reasons, the vast majority of housing enterprises have illegal operations, false supervision accounts or misappropriation of pre-collected funds, all the pre-sale funds are collected, used to expand the territory of the enterprise, if the final money is lost, the biggest loss is not the developer, but the hollowing out of savings, the back of debt to buy a house slave.
Remind all people who are ready to buy a house, before buying a house, we must verify whether the funds are entered into the pre-sale fund account, usually the real estate pre-sale certificate will indicate the pre-sale fund supervision account and the account opening bank, but the pre-sale certificate can be falsified, not to mention the supervision account, and further verify the authenticity of the supervision account, which can be further confirmed through the official website of the Housing Authority or by dialing the open household bank hotline.
Fifth, identify the treatment of loan failures
After paying the deposit and down payment, you can apply for a loan, even if you have made quite sufficient preparations, you do not rule out the possibility of loan failure, usually because of the buyer's personal reasons caused by the loan failure, the deposit is not refunded, the down payment can be refunded, the whole cycle is quite long, less than half a year or more than a year.
Therefore, the buyer should agree with the developer in advance on the treatment of loan failure, and must be specific to the time of refund, such as 30 working days after the failure of the mortgage approval, it must be in the form of event + time, otherwise, only after the failure of the agreed mortgage approval, it is an invalid agreement, and the developer can be exempted from liability indefinitely.