请问买期房不得不考虑得因素有什么?买期房一年分期全付「分享」
最近有很多热心网友都十分关心请问买期房不得不考虑得因素有什么?买期房一年分期全付「分享」这个问题。还有一部分人想了解买期房一年分期全付。对此,和记百科小编「青栀如初」收集了相关的教程,希望能给你带来帮助。
买期房不得不考虑得因素有:开发商可能逾期交房;房屋质量可能出现问题;交房时可能发现房屋面积和格局与原规划不符;交房时可能发现与预售的广告宣传不符。
商品房预售,应当符合下列条件:
(一)已交付全部土地使用权出让金,取得土地使用权证书;
(二)持有建设工程规划许可证;
(三)按提供预售的商品房计算,投入开发建设的资金达到工程建设总投资的百分之二十五以上,并已经确定施工进度和竣工交付日期;
(四)向县级以上人民政府房产管理部门办理预售登记,取得商品房预售许可证明。
商品房预售人应当按照国家有关规定将预售合同报县级以上人民政府房产管理部门和土地管理部门登记备案。商品房预售所得款项,必须用于有关的工程建设。
什么是买期房一年分期全付?
买期房一年分期全付是指购买新房时,首付30%,其余70%可以选择分期付款,每年分期付完。这种方式既减轻了购房者的压力,又有助于开发商获得资金的快速回笼。
这种购房方式适用于哪些人群?
对于首次购房者或购房压力大的人群来说,买期房一年分期全付可以分散购房压力,使得付款更加灵活。同时,在房价不断上涨的情况下,用分期的方式购房也更容易适应市场变化。
这种方式存在的风险是什么?
首先是利率波动风险。房屋贷款是以银行利率为基础的,若银行利率上涨,那么买期房分期付款的购房者需要支付更高的利息。其次是房价波动风险。如果房价下跌,那么房屋抵押价值也会下跌,可能会导致购房者需要补足抵押物价值的差额。
买期房一年分期全付的优缺点是什么?
优点:可以分散购房压力,缓解购房者的经济压力;购买灵活,能够适应市场的变化;能够让购房者更好地掌控自己的财务状况。
缺点:存在利率和房价波动风险,需要购房者进行风险评估;可能需要支付更高的利息。
【英文介绍/For English】:
Factors that have to be considered when buying an off-plan house are: the developer may deliver the house late; there may be problems with the quality of the house; when the house is handed over, it may be found that the area and layout of the house do not match the original plan;
The pre-sale of commercial housing shall meet the following conditions:
(1) Having paid all the land-use right transfer fees, and obtained the land-use right certificate;
(2) Hold a construction project planning permit;
(3) Calculated on the basis of the commercial housing offered for pre-sale, the capital invested in the development and construction has reached more than 25% of the total investment in the project construction, and the construction progress and the completion and delivery date have been determined;
(4) Go through the pre-sale registration with the real estate management department of the people's government at or above the county level, and obtain the pre-sale permit certificate for commercial housing.
The pre-seller of commercial housing shall submit the pre-sale contract to the real estate administration department and the land administration department of the people's government at or above the county level for registration and filing in accordance with the relevant state regulations. Proceeds from the pre-sale of commercial housing must be used for relevant engineering construction.
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