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In this era, buying a house and a car has become a must-do, and it is a very good thing for people to buy a house through their own struggle. There are also those who choose to buy a better house in order to have a better living environment. On the one hand, this shows that the real estate in the mainland provides a variety of houses, and on the other hand, it shows that the development of urbanization is relatively rapid.
When we buy a house and have the real estate certificate, it is naturally a very down-to-earth and happy thing, but you know what? There are also several documents that are more important than the real estate deed. Once these documents are lost, they will face very large losses, and there is no way to replace them. Let's take a look at what kind of document it is!
1. The purchase contract should be kept
What is a purchase contract? It is based on the legal basis and relevant provisions of our country's "Contract Law" and "Real Estate Management Law". An agreement between the purchaser and the real estate developer to buy and sell the house on an equal, voluntary and unanimous basis.
To put it bluntly, you buy a house and the real estate agent shows you your contract. With this purchase contract, it can be proved that this is your house and you have the right to dispose of the house.
Because after all, the house is a bulk transaction commodity, and the price is relatively expensive, so in order to avoid unnecessary troubles and conflicts between the two parties in the future. The state has also set up relevant laws in order to protect the purchaser of the reasonable developer.
Of course, the main protection is still the buyer, because the buyer is still relatively weak in front of the entire real estate developer. For example, everyone knows that Evergrande Real Estate Company is the richest man in China when it was in its heyday, and its real estate ranks among the top three in China's real estate market.
But when it was revealed that Evergrande was bankrupt, hundreds of home buyers had to face the problem of having a purchase contract but not being able to deliver the house. Because Evergrande has no money, it can't continue to build buildings.
Therefore, fortunately, these buyers who have a purchase contract can show the relevant contract, so the local government also gives a certain subsidy compensation policy. Therefore, we must pay attention to the fact that the purchase contract should be kept, and this thing is not used well, and once it is used, it will play a very critical role.
Second, be careful with the loan contract
I believe that everyone is not too unfamiliar with the loan contract, this contract is not signed for real estate developers, but with the bank. Nowadays, buying a house through a loan has become the choice of many buyers, and the reason is that the price of the property is too high.
Take the data of real estate prices in the country last year, the average square meter is 6,000 yuan. According to the income of the people in the country, the average monthly income is only less than 5,000 yuan, of course, it should be noted that the income of people in different regions is definitely different, and the gap is not a star and a half.
Loans have become the main choice for young people when buying a house, and the general choice is 20 or 30 years, and the difference between the two is that the amount of monthly repayment is different. If you choose to repay for 20 years, you will repay a little more each month, while if you have a repayment term of 30 years, you will pay a little less.
Since it is a loan, there will be an interest rate, that is, you need to repay some more money, and usually the loan contract is to repay the principal and interest first, and then start to repay the principal. There are also cases where most of the principal and interest are repaid every month, and a little of the principal is repaid.
Since the loan contract involves a lot of details, there are often as many as 100 articles, to be honest, if you are not from a legal background, most people will not check these details. People will choose to trust banks and property developers.
However, it is important to note that there are some terms that you must review carefully and evaluate with the real estate agent.
For example, pre-sale houses that have been popular and have existed for many years. It is in the form of a real estate developer who first takes down the development right of the land, and then sets up a sales department to tell the house type, price, advantages, etc., and promises when the delivery can be completed, and there is a great discount for buying now.
In this way, many real estate agents have made many people pay off the money before they have seen the house, and start to repay the bank money every month. But, unfortunately, if you happen to run into an irresponsible developer, a site owner with no money, or a greedy boss. There is a high chance that your house will cease to exist and become unfinished.
This is not an exception, like Zhengzhou, the economic center of Henan, which is the largest unfinished city in the mainland, and how many families are fragmented behind it.
This is conceivable, and at that time, Zhengzhou carried out a plan to attract talents, promising to give doctoral students a suite, but these houses were all unfinished buildings, and the promise was like air, lost a trace.
So how to deal with this situation? There are already a number of ways online, such as checking the developer's qualifications in advance, checking if they have credit issues, or checking whether the developer has filed with the local government to make sure they do have the right to develop the property.
But the most prudent and reliable thing is to buy an existing house, that is, a house that has already been built. Whether it is a rough house or a renovated house, as long as you can see this house with your own eyes, it is more reliable.
At this time, it is not easy for you to take out a loan to buy a house. Therefore, you must pay attention to making your loan contract realize its true value, and you must not forget its details, so as not to bring losses to your own rights and interests.
Third, the purchase invoice can not be careless
I believe that when you buy a slightly larger item such as a mobile phone or refrigerator, you will receive an invoice from the merchant, which will clearly record the buyer's name, age, amount, contact information, purchase time, etc. The purpose is to prevent the occurrence of some situation after the occurrence of a guarantee that is beneficial to both the buyer and the seller.
The same is true for buying a house, it has an invoice given by the seller, and when we hand over the corresponding money to the bank or the developer, then we will give you an invoice, which proves that you have purchased the house and have the right to dispose of the purchased house.
And if there is any unexpected situation in the future, this purchase invoice is a good countermeasure, as long as you have it, then the relevant departments will conclude that you have the right to use the house according to this, etc., to protect your corresponding rights and interests.
In the Pudong New Area of Shanghai, there was a case of a purchase due to the lack of purchase invoices, which ultimately led to the court being unable to determine the specific purchaser and the time of purchase, which made the purchaser's claim rejected, and the purchaser was required to continue to search for corresponding evidence.
At the same time, it should be noted that the purchase invoice is not like the purchase contract, if it is lost, there is a possibility of recovery, because the purchase contract generally has four copies at the time of the transaction, and the householder, the developer and the real estate bureau all have it at the same time.
If it does go missing, you can reprint it. And the purchase invoice must not be careless. Because this thing can't be recovered.
Fourth, the contract for the purchase of parking spaces should be kept
Nowadays, in order to improve the sales of houses, many developers generally advertise them with a gimmick of buy one get one free. Here, buy one get one free, not buy a house and get a house free, but buy a house and get a parking space.
The importance of parking spaces is self-evident, with the pace of modern society is getting faster and faster, every household will buy a car for the convenience of travel.
And it is precisely because of the sharp increase in the number of private cars that sometimes there is no parking space at all, or you have to pay to find a parking space.
The discount of the community to buy real estate and give away parking spaces is a good choice. When you get home from work, you don't have to worry about looking left and right for a parking space, you can park directly in the underground parking garage of the community, which is really a more convenient thing.
The developer will also give you a parking contract, the purpose of which is to tell you and others that this parking space is exclusive to you, and others are not qualified and qualified to occupy your parking space. This is your own private property and is designed to make parking more convenient for you.
When many people park, when there is no free parking space, they will take it for granted to park in front of the parking space of other car owners, and leave immediately after parking, and there is no possibility of leaving a contact information to move the car.
This brings a lot of unnecessary trouble to the owners of many parking spaces. For example, in recent years, there have been many problems due to various conflicts caused by the competition for parking spaces.
Therefore, as the legal owner of the parking space, it is possible and allowed to carry out certain depictions in front of the parking space of one's own one.
For example, the words "do not park" can be reminded of those car owners who want to occupy your parking space. This way, you won't be annoyed by someone else who inadvertently or intentionally occupies your parking space. So be sure to take care of your parking space contract, this will also be a huge help to you.
summary
With the continuous growth of the mainland's economy, the legalization of society has also been continuously improved, which indicates that the mainland has become a modern society ruled by law.
No one or anything can be stirred up by stirring up trouble and being unreasonable, and all matters and disputes can be improved and resolved through legal channels, which is not only the best way to resolve conflicts, but also respects the law.
Therefore, after purchasing a house, you must protect your contracts in a timely and prudent manner, so that in case of some uncertain conflicts and disputes in the future, there is a law to follow, so that your rights and interests can be protected to the greatest extent.