2. Installment payment, different from the usual bank mortgage, means that you reach a certain agreement with the developer and pay in proportion to the construction cycle of the house. If you choose this payment method, you should pay attention to the time of each payment. If it is based on the construction period and project progress, it should be clearly stipulated in the contract.
3. Other methods, that is, commercial loans or provident funds. For choosing the payment method of commercial loans and provident fund, we should pay attention to leaving enough time for payment procedures. Generally speaking, the longest time for handling bank mortgage is no more than 30 days, that is to say, from the date of signing the formal purchase contract, formal information is provided, and under normal circumstances, formal approval can be made within 30 days.
Extended data:
Precautions:
1. Can developers really use the prepaid house payment for commercial housing construction without being used for other purposes?
2. Whether the commercial housing can be completed as scheduled.
3. Whether the price of pre-sale commercial housing is reasonable and whether the housing will increase in value and maintain its value.
4, the actual delivery of housing is in line with the contract, etc.
5. To buy pre-sold commercial housing, it is necessary to check whether the development enterprise hangs the original and attached drawings of the Pre-sale Permit for Commercial Housing in a conspicuous position in the sales office.
6. Whether the purchased house has been mortgaged or sealed up; If it is sold by a real estate agent, it is necessary to know whether the company has the qualification of a real estate agent. The above information can be found on the website of the Municipal Bureau of Land and Housing Management.
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