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买期房流程,期房什么时候交首付款？有谁知道？

买期房流程,期房什么时候交首付款？有谁知道？

浏览：33次 | 提问时间： 07-22 03:02

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我对你过敏 07-22 03:03

购买期房时先不交税，只交首付款或全款。待开发商通过地方政府相关部门的综合验收合格后，办完相关手续取得房产大证时，再按照《商品房买卖合同》的约定通知你办理房产证时，缴纳公共维修基金和契税(各地收取比例不一，请咨询当地房产管理部门)。通常住宅公共维修基金是当地建安费的8-12%;契税是总房款的1.5-3%。五证齐全的期房才能购买，否则，房产证办不下来。

花已枯 07-22 03:12

通常缴纳定金认购开发商的物业，并签订“认购协议书”后7天内缴纳首期房款，同时签订《商品房买卖合同》，此时，认购协议作废。之后交齐按揭所需材料，即向银行申请按揭贷款，银行审批合格，且与你签订《按揭抵押贷款合同》，贷款便可放下，贷款放下后一个月即开始月供。签合同收房的时候期房的首付款，通常是在交了定金之后，房产下来开发商交房的时候，就应该交首付款了。期房首付款通常在开发商拿到预售许可证正式签订商品房合同时支付。现在购房来说属于火热的尽头，在经过一系列调控后，购房的热情再次暴涨，期房付款方式上可以有有这些办法：首付款比例：通常而言首套房购买者，可以依照个人经济实力，选取首付款的最低比例或者更高，通常首付是全款的20%-30%等等，假如在首付压力较大的时候，可以选取最低比例缴纳，余款通过公积金贷款或者商业贷款来补充。缴纳月供：贷款后，等到银行放款，则从放款日起开始每月缴纳月供，月供缴纳数量公积金贷款是可以调整的，找到相应的电话，提前一个月更改，下个月的缴纳数额。月供与银行利率相关，记得每年年初依照利率合理调整月供数量。全款购买：期房也是可以全款的，只要有经济实力，交款后，就等开发商通知收房，全款购买缺点就是金额支出较大，不过优点是不用做房奴并给银行缴纳利息，总体而言100万的房子，利息约为20多万。期房收房，通常交款时，则签订相应的买房合同，有了合同及购房发票，则证明买到了房子，而收房通常在1年上下的时间内，到时候通知收房，则真正的拿到了所买的房子。以上是个人经验分享，期望对购买期房的人有用。

墨城烟柳旧人殇 07-22 03:20

购买期房的流程：
一、签订认购书
二、签订买卖契约
三、预售登记
四、签订管理公约，办理入住手续需要的手续：
1、购房人身份证复印件（正反两面）
2、结婚证复印件或单身证明（民政局出具）
3、房产局出具首次购房证明。假如不是首次购房，则会提高首付款比例。
4、购房合同
5、首付款收据
6、购房人收入证明（加盖用人单位公章）
7、购房人存折流水（要求半年以上，每月有收入，有支出，有结余）

少年与猫 07-22 03:28

需要提供借款人自身的相关证件等材料，主要包括：夫妻双方身份证、户口本、结婚证、婚姻声明、收入证明，工资卡对账单、首付款收据、购房合同、购房网上备案单等。材料齐全交由银行人员审核材料的真实性，银行审核无误后上报分/总行审批，银行审批通过后，去银行签订借款合同，之后到购房所在地房产局办理相关的预抵押（期房）或抵押（现房）手续，抵押办理完成后，抵押权证交银行保管，即可放款，以上是按揭贷款的大致流程。

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