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In China, do you know how many documents a person may have to apply for in his life?
More than 400!
Among them, there are a total of 103 commonly used certificates and certificates. For example, birth permit, household register, birth certificate, ID card, student ID, graduation certificate, driver's license, retirement certificate, death certificate...... The guaranteed journey from life to death can really be called "the journey of witnessing (marching)".
So is it okay if these certificates are not available? At the moment, it is obviously not possible, because each file has its own function.
However, among the many documents, in addition to the ID card and household registration book, the most valued document is the real estate certificate, after all, the house price is too expensive, and with the real estate certificate, you can prove that the house belongs to you.
However, many people ignore that in fact, among the documents related to the house, there are "four documents" that are more important than the real estate certificate.
01 Once the purchase contract is lost, it is impossible to sign it again
A purchase contract is a legal document that is formally signed between the buyer and the developer after paying the purchase price (down payment or full payment). Like the loan contract, it is also a very important document.
And it's worth mentioning that the purchase contract not only states the ownership of the home, but most importantly, it can go a long way in the event of any problems with the house.
For example, the purchase contract clearly records the specific condition, area, payment method, delivery time, quality standards and a series of related responsibilities and other important information in the later stage. If the buyer has quality or delay in the subsequent delivery of the house, then this contract becomes an important document for the buyer to protect his legitimate rights and interests.
Therefore, for home buyers, the purchase contract after buying a house must not be lost.
02 The invoice for the purchase of a house is very important
The invoice for the purchase of the house is the invoice for the full payment of the real estate. If you buy a house with a mortgage, you will have an invoice for the down payment, and after the mortgage is disbursed, you can ask the developer for the full amount of the real estate.
The immovable property invoice is the invoice of the local taxation department, which is specially used for the sale of houses and buildings. In other words, what the developer issues is a real estate invoice. This is an important document of the transaction between the buyer and the developer, including the basic information of the house, the purchase price, the information of the seller and the buyer, which proves the legitimacy and authenticity of the buyer's housing transaction.
In addition, the purchase invoice can not only be used as an important proof for buyers to enjoy relevant tax incentives, but also provide a legal basis for future transfer of real estate or inheritance.
In addition, the house purchase ticket also has the following important roles:
First, go through the settlement procedures. After buying a house, the buyer is not only required to provide a purchase contract, but also to present the purchase invoice as a voucher.
Second, withdraw the provident fund. If a buyer wants to withdraw his CPF to repay the mortgage, he or she needs to provide an invoice for the full purchase price of the house to prove that the house has been paid in full and that the house is owned by the buyer.
Without a purchase invoice, this relationship cannot be proved, and the provident fund cannot be withdrawn normally to repay the mortgage.
Third, apply for a real estate certificate. The purchase contract, like the purchase invoice, is one of the main documents for applying for the real estate certificate.
Fourth, defend rights after the fact. If you find that your legitimate rights and interests have been violated by the developer after buying a house, such as house quality problems, delayed delivery, etc., the purchase invoice is also an important evidence for the buyer to protect his rights.
It is important to note that if the purchase invoice is lost, it cannot be reissued. Therefore, buyers must take good care of it.
03 Keep the mortgage contract safe
The vast majority of people do not buy a home in full, but take out a bank loan to pay the balance after making a down payment. Usually, most of the home loans are applied to the bank, and then you need to sign a loan contract with the bank. Only after signing this loan contract, the bank will give the buyer a loan, otherwise the bank will not lend.
In addition, the loan contract clearly lists the key details such as the loan amount, loan term, loan interest rate, and repayment method.
Therefore, the importance of a mortgage contract cannot be overlooked, and it needs to be carefully checked when it is signed, after all, it will directly affect the homebuyer's repayment and debt.
Once this contract is signed, then it has legal effect, after that, if the buyer fails to repay the loan on time according to the contract, he will face legal liability, the bank not only has the right to recover the arrears through legal means, and even will blacklist the defaulter, or even the house is mortgaged, etc. However, if the loan is fully repaid in the future, the contract will be annulled.
It is worth noting that if the buyer wants to pay off the loan balance in full, he also needs to bring the loan contract. Including the continuous reduction of the mainland LPR interest rate in the past two years, those who previously repaid the mortgage according to the fixed interest rate, if they also want to enjoy the low interest rate, they also need to bring the loan contract to the bank for adjustment.
Although under normal circumstances, the loan contract can be reissued if it is lost, as long as you bring your valid ID card to the bank handling the loan and ask the bank to make a new copy of the original contract, it is difficult to say that there will be no resistance in the process.
And by the way, if you want to repay the loan in advance and lose the loan contract at this time, according to the consistent style of some bank branches, knowing that the buyer has lost the loan contract, may make a fuss and keep delaying the time, affecting your repayment progress, so this contract must be kept well, and it must be provided when you want to handle business.
04 The contract for the purchase of parking spaces is important
For many buyers, it is also very important whether the parking space and the house are integrated into the contract, that is, if your purchase contract does not state the specific parking space information, then you will need a parking space contract.
This contract is a legal document signed by the buyer and the seller, which not only clarifies the rights and obligations of both parties, but also includes detailed information about the area and location of the parking space.
If you find that the area of the parking space is inconsistent with the contract after purchasing the parking space, then this contract will become a valid proof document for you to protect your rights.
Moreover, many sales centers will not communicate the specific information of the parking space with the owner at the beginning, which leads to many owners wasting a lot of energy and time on the issue of parking spaces in the later stage.
Therefore, the pit of the parking space is not less than the house, after the purchase of the parking space, you must properly keep the parking space purchase contract to avoid a series of unnecessary troubles.
05 If these four types of documents are accidentally lost, can they be replaced?
First of all, it must be clear that the four documents mentioned above,
Not only that, these four certificates are also important documents when reapplying for real estate certificates, so these four documents must not be lost!
However, it is worth mentioning that the real estate certificate can be reissued, but the reissue procedure is very complicated, and the specific reissue process is as follows:
1. Bring the original and copy of your ID card, and submit a written application for re-application for re-issuance, and go to the local housing authority to register the loss of the real estate certificate;
2. The real estate archives check the file and issue the real estate ownership certificate;
3. Go to the newspaper designated by the local housing authority to declare that the original real estate certificate is invalid;
4. Publish a statement that the original real estate certificate is invalid for 30 days and go through the registration procedures for the replacement certificate;
5. Collect the new certificate after 10 days.
In addition, the documents required for the replacement of the real estate certificate: in addition to the applicant's identity certificate, the original or copy of the house ownership certificate, the original of the valid house sale and purchase contract, the original of the confirmed house survey and mapping report, and the original of some other necessary materials.
It can be seen that no matter what kind of situation the house belongs to, it is undeniable that the process of reissuing the real estate certificate is troublesome.
Moreover, if some important documents such as the purchase contract are accidentally lost, then the possibility of success in reissuing the real estate certificate is relatively small.
Therefore, in order to avoid unnecessary trouble, everyone must take good care of the relevant information when buying a house.
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.