- Careful legal check: Before deciding to buy, it is necessary to clearly verify the legal status of the land plot, including the land use right certificate, land use purpose, term of use and dispute status, mortgage (if any). Land that meets legal transfer conditions is a prerequisite to limit risks in the long installment payment process.
- Clarify the form of installment payment: Buyers need to clearly determine whether the installment payment is made through the bank or directly with the seller. If installment payment is made through the bank, it is necessary to pay attention to interest rates, loan terms, repayment methods and arising fees. If installment payment is made directly with the seller, the payment terms need to be specified, clearly and legally binding.
- Xem xét kỹ hợp đồng mua bán: Hợp đồng mua đất trả góp cần thể hiện đầy đủ các nội dung quan trọng như giá bán, tiến độ thanh toán, quyền và nghĩa vụ của các bên, thời điểm bàn giao giấy tờ, cũng như các điều khoản xử lý khi vi phạm nghĩa vụ thanh toán. Đọc kỹ và tham vấn ý kiến của người am hiểu pháp luật sẽ giúp người mua tránh được những điều khoản bất lợi.
- Assessing personal financial capacity: Before signing a contract, buyers should carefully consider stable monthly income and living expenses to ensure timely payment during the installment period. Delays or failure to pay as committed can lead to contract penalties, loss of purchase rights or unnecessary disputes.
- Learn about the reputation of the seller or investor: The reputation and capacity of the seller play an important role in land purchase transactions in installments. Buyers should prioritize investors, distributors or individuals with clear information, transparent transaction history and positively evaluated by many people, in order to minimize risks in the contract implementation process.
To limit risks and be more proactive in the transaction process, buyers should refer to land auction information from reputable platforms, which provide clear data on legal status, location, selling price and payment conditions.
