新快报记者 林驰胜 实习生 段亚雄

New express LinChi wins DuanYaXiong intern reporter

　　房企推公积金快贷“赶客上架”

Push fast accumulation fund loan room enterprises“Cast guest shelves”

　　一周看点：据悉，距离8月1日公积金贷款新规实施还有半个多月，但近期多家在售楼盘拿公积金贷款做文章。不少销售人员称，因为公积金政策即将收紧，近期购房可享快贷，可由开发商协助进行公积金贷款，可以赶搭政策末班车。

Read a week：It is reported，Distance on August 1, accumulation fund loan new rule to implement and half a month，But more recent home sold in the building and the make of accumulation fund loan。Many sales staff said，Because the accumulation fund to tighten policy，Recent purchase loans to enjoy fast，But by the developer to assist in accumulation fund loan，Can catch a policy the last bus。

　　东莞市住房公积金管理中心相关负责人表示，无论是一手房还是二手房，在申请公积金贷款的时候，由代办律师或担保公司递交购房者资料，凡是符合放款条件、资料齐全的，公积金管理中心收件后会在10个工作日之内作出准予贷款批示，之后购房者的资料会由律师或担保公司递交给银行，银行一般会在5个工作日内放款，即使是在7月31日申请才被受理，仍可执行现有贷款政策，公积金贷款仍会发放。

Following housing accumulation fund management center officials say，Whether a room or secondhand the room，In the application of accumulation fund loan，The agent a lawyer or guarantee company submit homebuyers material，In line with "the loan conditions、Material complete，Accumulation fund management center for a will in 10 working days to grant loans within instructions，After the material will be the person that buy a house by a lawyer or guarantee the company submitted to the bank，The bank is met commonly in five days lenders，Even in July 31 application to be entertained，Still can implementation of existing loans policy，Accumulation fund loan will still be issued。

　　观点消费者对自己申请公积金贷款条件和时间应该有合理的把握，不应为赶“末班车”而盲目购房。因为公积金贷款的快慢不仅与公积金管理中心审批时间和银行放款审批时间有关，还与代理律师或担保公司办事进度有关。

View to apply for their own consumer accumulation fund loan conditions and time there should be a reasonable grasp，Should not cast out“The last bus”And blind buys a house。Because the speed of accumulation fund loan not only with accumulation fund management center and approve time and bank lending examination and approval time related，Also with agency lawyers or guarantee company work on schedule。

　　购房应防止买到“查封房”

Purchase should prevent bought“Seizure room”

　　一周看点：买到“查封房”，最后房财两空。日前，陈某得知自己购买马某位于厚街镇东风路的某商品房已被法院查封，随后便向法院提起诉讼。可由于马某涉及多宗债务，法院对拍卖款在各执行债权人中进行了分配，陈某只分得53406元及预付的诉讼费2818元。

Read a week：buy“Seizure room”，The last room two empty wealth。a，Know that buying their own work his way up, houjie town of dongfeng ma mou is located in a commodity house has been court)，And then it to court。By ma mou involved in a number of cases of debt，Court to auction in the execution of the creditors assigned，Only $53406 and to share in the work his way up the legal costs of the 2818 yuan in advance。

　　据悉，2010年12月3日，陈某与马某签订《房屋转让合同书》，总转让款为388000元。合同签订后，陈某已支付189000元，但马某一直未能按照合同约定办理房屋过户手续。

It is reported，3 December 2010，Work his way up and ma mou signing《The house assignment contract》，ZhuanRangKuan total is 388000 yuan。After contract signed，Work his way up already paid $189000，But ma mou have been unable to be dealt with according to contract agreement housing transfer procedures。

　　观点在进行二手房交易前，购房人应当向房管部门查清楚所交易的房产是否被查封、抵押等限制转让过户的情况，是否已被出卖方转让给其他人，尤其在付款前应当清楚所交易的房产是否可顺利过户到自己名下以及过户的流程及手续，否则最后有可能无法办理房产证或拿到房产，购房款也会打水漂。

View in secondhand the room before trading，The person that buy a house to &housing administration department shall check whether the trading house property seizure、Mortgage of the transfer of transfer ownership restrictions，If the seller has been transferred to other people，Especially in payment shall be clear before the trading house property is smooth transfer to his name and transfer process and procedures，Otherwise the last may not be able to deal with house property card or get housing，The purchase will skip stone。

　　玻璃门突爆裂保修期问题很麻烦

Glass door burst at very troublesome problem to guarantee period

　　一周看点：前不久，家住景湖时代城的一名业主家里阳台一扇玻璃推拉门突然爆裂。据称，该房是业主于2011年5月从二手房市场购得，住进去一年，玻璃门就发生爆裂，人虽未被伤到，但保修期的问题让业主着实苦恼。

Read a week：Not long ago，Live in JingHu era of the city a owner home a door to the balcony the sliding door of glass of sudden burst。allegedly，Home is the owners in May 2011 purchased from secondhand the room market，Live in a year，Is the glass door burst，Although people has not been hurt，But the problem of warranty let owner really upset。

　　该小区物业管理处称该业主买的是二手房，而一手房业主交房时间是2010年的11月份。而该业主购买的房子是2009年5月30日竣工验收合格。目前玻璃已过两年保修期，不予维修，要更换需自费。

The residential property management office says the owner to buy is secondhand room，And a room owner make a room time is November 2010。And the owner to buy house is on May 30, 2009 the completion acceptance。At present glass has two years warranty period，Not maintenance，To change to the expenses。

　　观点购房时应仔细核实所购房的竣工验收日期，了解清楚房间内各种设备的保修期限，防止出现“东西坏了，无人保修”等问题。此外，夏天天热玻璃易破碎，可考虑贴防爆膜，一方面降低玻璃爆裂的几率；另一方面提高隐私度和反射率。

When buying a view should be carefully check buys a room of the completion acceptance date，Clear understanding of all kinds of equipment in the room the guaranteed period，prevent“Something bad，No warranty”problems。In addition，Summer day hot glass easily broken，Can consider to put explosion-proof membrane，On one hand reduces risk of glass burst；On the other hand raise privacy degrees and reflection。