In addition, it should be clear that buying and selling houses in xiong'an new area is forbidden, so it is unconditional for foreigners to buy houses in Xiong 'an. But many people who want to buy a house in xiong'an new area will consider buying a house in Baigou, which is close to xiong'an new area. Baigou has developed well since ancient times. In addition, Baigou is located at the north gate of xiong'an new area, which belongs to the first circle of xiong'an new area, so it is naturally a good place to buy a house.
1. For local registered families who already own 1 apartment and non-local registered families who can provide local tax payment certificates or social insurance payment certificates for a certain number of years, 1 apartment is restricted.
2. For local registered families who already own 2 or more houses, non-local registered families who own/kloc-0 or more houses, and non-local registered families who cannot provide local tax payment certificates or social insurance payment certificates for a certain number of years, the sale of houses to them shall be suspended within their administrative areas.
3, the first time to buy housing households, apply for commercial personal housing loans, the down payment ratio of not less than 30%; 1 household, the down payment ratio shall not be less than 40%; Suspension of commercial personal housing loans to households that purchase third or above houses.
4. For non-local households who cannot provide local tax payment certificates or social insurance payment certificates for a certain number of years, commercial personal housing loans will be suspended.
What problems should I pay attention to when buying a house with a loan?
1, property buyers must know the local loan interest rate policy before buying a house with a loan, because there may be a gap in interest rates of different banks, and different places have different regulations on second and multiple purchases. When applying for a loan to buy a house, the bank will generally ask the applicant to provide a running account for half a year. I suggest you use a bank card that generates more transactions every day, or make a beautiful running account for yourself before buying a house. For example, saving a certain amount of money into a bank card every month can improve the loan pass rate.
2. If you plan to buy a house with a loan, you must not change your job at will before buying a house with a loan. At least, don't replace it in the first half of the loan to buy a house. Because the bank will judge whether the applicant has repayment ability and bank credit risk through the stability of work and income. If you change jobs frequently before handling the loan business, the bank will definitely think that your job is unstable, your repayment ability will be affected, and the credit risk of the bank will increase, resulting in the rejection of the loan application.
3. When applying for a loan to buy a house, you need to fill in the income certificate, which directly affects the success of applying for a loan. Personal information and company information contain the most gold, and the most important thing is to fill in these information. You don't need to fill in too much other information, which will be counterproductive.
4. At present, the most commonly used repayment methods are "equal principal and interest" and "equal principal and interest". As far as these two methods are concerned, most people will choose the repayment method of "equal principal and interest" because the monthly repayment pressure is small and they just need to pay more interest. Although the "even-cost" repayment method has less interest, the monthly payment is high and the pressure is relatively high.
legal ground
Measures for the administration of commercial housing sales
Article 6 The pre-sale permit system shall be implemented for the pre-sale of commercial housing. The pre-sale conditions of commercial housing and the procedures for the pre-sale permit of commercial housing shall be implemented in accordance with the relevant provisions of the Regulations on the Administration of Urban Real Estate Development and Management and the Measures for the Administration of Urban Commercial Housing Pre-sale.