1. All buyers need to bring: ID card, household registration book, single certificate/marriage certificate, first-time purchase certificate.
2. People who buy a house by loan need to bring: ID card, household registration book, single certificate/marriage certificate, first-time purchase certificate, bank card running list and income certificate.
For first-time buyers, buyers themselves can apply to the real estate trading center for the first-time purchase certificate, and the processing cycle is generally 7 working days. For first-time buyers, you can enjoy the tax reduction and exemption policy.
Full purchase procedure:
1 first of all, you need to know your own qualifications for buying a house, determine the purchase area according to your own funds, and select several favorite properties.
2, on-the-spot viewing, understanding the real estate information For the favorite real estate project, you can make a preliminary understanding of the supporting facilities when viewing the house, and see the sand table to understand the real estate information.
3. Arrange the number and choose the house. At the opening, developers choose houses according to certain rules.
4. When submitting the qualification materials for house purchase, subscribing the house and preparing to sign the subscription book, you need to prepare the qualification materials for house purchase and hand them over to the developer. Then you need to pay a certain deposit, and the proportion of deposit payment shall not exceed 20% of the total house price specified in the contract.
5. Sign the contract online. After the house payment qualification is approved, you can sign it online immediately, and then you need to sign a paper version of the house purchase contract. Buy a house in full and pay the house price. The received invoices need to be collected and used when paying taxes.
6. Buyers need to wait for the developer to inform them to close the house. Buyers need to pay attention to the closing time, carefully check every detail of the house when inspecting the house, and check the "three certificates, one book and one table".
7. After paying taxes, all buyers can pay taxes to the local taxation bureau with the purchase invoice and the measured area difference invoice (if there is an area difference when buying an auction house, there will be one).
Housing mortgage loan procedures:
1. First, sign a house purchase contract with the developer. At this time, it is necessary to check whether the developer has "five certificates": state-owned land use certificate, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit.
2. Then you have to pay the down payment, and pay attention to keep the down payment receipt. You need to go to the bank to fill out the application form for personal housing loan. Developers will generally sign cooperation agreements with one or several banks, and it will be more convenient to handle mortgage loan agreements with banks that have agreements with developers.
3. Bring the original and photocopy of the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts) and income certificate to the bank to fill in the personal housing loan application form.
4. The credit personnel of the loan bank will review and approve the materials submitted by the applicant step by step. If it is considered to meet the conditions of bank loans, the applicant shall be notified to sign a personal housing mortgage loan contract, and the contract period shall not exceed 30 years.
5. The property buyer went to the Housing Authority to apply for the certificate of other rights of the house, which proves that the property has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to apply for family insurance. The above procedures will generally be handled by the bank.
6. Open a loan repayment account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.
7. The bank pays the loan. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.
8. The borrower in mortgage to buy a house must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can repossess the house according to law. After mortgage to buy a house's loan principal and interest are settled, cancel the mortgage registration, and you will become the real owner of the house.