Room person wants recognize to buy on room road 4 big trap
To a lot of people, buying a house is an important matter of life undoubtedly. Cannot " how to reside " , how can " happy course of study " ? No matter be,invest, because total prices does not poor and house property lets a person expend consider quite, scrupulous, for fear that is deceived. In this hardships the conceal on the road that buy a house is worn many trap, you need have eyes sharp enough to perceive an animal's autumn hair-be perceptive of the minutest detail, consolidate step by step. Below, the author makes an analysis to buying a few trap in room process, the person that submit to to buy a house tries advertent.
One of trap: The room is borrowed danger
Current, major dweller buys what the room uses is the means that mortgages loan, and while to the bank conduction individual housing is mortgaged, the bank can give on one to you above all " building of individual loan mortgage is integrated insurance policy " , include belongings to the loss is sure and still be borrowed assure to be sure two parts, the house that this mortgages loan to buy a room to must be bought namely is borrowed danger. Buy the day of the building or some rooms borrow danger contract to agree time of contract become effective is the person that buy a house is the day that bank loan approves, it is unreasonable. To period room purchaser, the building has not check and accept consign, should not assume obligation of belongings loss insurance, but existing insurance contract is sure belongings loss and still borrow make sure insurance mix is mixed together, unite the day from loan to begin consideration, the person that make buy a house bore the insurance liability of proper time and cost more.
In addition, the bank appoints the practice of insurance company to also be worth deliberate. Of insurance contract the expression that concluding is autonomy of contract party meaning, those who divide law and administrative regulations is mandatory beyond the regulation, the person that buy a house serves as civil main body, OK and free choice signs the opposite person of insurance contract with its, judge and authority basis is compared of oneself, will choose competitive, credit good the insurance company that leads privilege with cost.
And the meeting that keep watch is in " the announcement that about strengthening an individual housing borrows money and loan building insurance manages " (on January 22, 2002) in regulation of proclaimed in writing: When each commercial bank is dealing with individual housing to borrow money, should allow borrower freedom to choose insurance company, must not ask borrower is cast to appointed insurance company forcibly protect; Each insurance company must not ask with unfair competition method loan bank acts as agent for its loan building is safe.
Of trap: Content of empty buy room runs cost
Basis " property regulation " the 42nd regulation: "Already complete but have not sell or did not give the property of vendee, property cost is handed in by construction unit. " the construction unit that here says, basically point to development business namely in commodity house development.
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