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  • 深圳小产权房
    购房怎样付款
    阅读:1179发布时间:2018-05-11

      方式一:一次性付款、全款买房


      一次性付款、全款买是指购房者签订购房合同之后,将涉及到的总房款、物业费及其他手续费一并结清。


      优点:涉及到的手续简单,相比按揭付款省去了很多麻烦;一次性付款买房比相比把钱存在银行里,好处就是至少不会贬值;一次性付款在开发商那里最受欢迎,另外还会有优惠政策鼓励一次性付款,例如总房款打折。


      缺点:对于那些经济基础较为薄弱的购房者来说,会成为一个不小的负担。一般市场上在售的房源大多为期房,购房者选择一次性付款会加大购房风险。


      方式二:按时间付款


      时间付款是购房者在签订购房合同之后,按照约定时间,分批次向开发商偿还购房款,一般都在交房之前还完。和按揭类似,但并不牵涉到银行。采用按时间付款的方式,也需要购房者有足够的资金。


      优点:相较于全款,可以相对缓解资金压力,且容易得到开发商的优惠。


      缺点:由于是按时间付款,即使工程进度滞后,也需要按时还款,具有一定的风险。


      方式三:延期付款


      延期付款是指购房者与开发商协议好,签订合同后先支付一定的首付款,交房之后,开始按月份还款。此种付款方式也和按揭贷款类似,不同的是延期付款并没有通过银行这个第三方介入。


      优点:可以缓解购房者的压力。


      缺点:这种方式需要开发商具有很雄厚的资金实力,但现在很多开发商都是滚动开发项目,对资金的回流要求很强。所以这种方式很少被用到。


      方式四:按揭贷款


      这种付款方式是购房者最常使用的一种付款方式。购房者与开发商签订购房合同,银行以购房者的房子作为抵押,给购房者贷款,购房者按月向银行偿还本金和利息。参与者有购房者、开发商和银行三方。


      优点:购房者先住房,后还钱,解决燃眉之需。避免出现攒了几年钱之后,房价又上涨。