I. Subscription process
What's the difference between deposit and deposit?
There is only one word difference between the definition and the definition, but the legal meaning is quite different. "Margin" includes the nature of margin. According to the contract law, the deposit can be used as a guarantee for creditor's rights. After the performance of the contract, the buyer and the seller shall offset the price or recover the deposit. If the buyer fails to perform the deposit contract, he has no right to demand the return of the deposit; If the seller or developer who collects the deposit fails to perform the deposit contract, it shall return the deposit twice. However, the word "deposit" is not expressly stipulated in the law. Generally, it only refers to a price paid in advance and can be refunded without compensation for breach of contract.
Second, the signing process
When signing the contract, please bring the following information:
1, deposit receipt, original ID card (married people need to bring the original ID cards of both husband and wife and the original marriage certificate)
2. Private seal
3. Original household registration book or household registration certificate.
4. Original proof of income
Third, the loan method.
Loans include provident fund loans and commercial loans.
You can apply for provident fund loans if you have paid the provident fund continuously for 6 months according to the regulations. If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan. You can log in to the provident fund network to inquire about your loanable amount, minimum and maximum loan years and other information.
Commercial loans need to meet the loan conditions, and the bank will provide you with loans to buy a house. Generally speaking, if you buy a new house, the bank will provide 70% or 80% loans. Details of the loan can be found in the specific regulations of each bank. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China have made it clear that the minimum down payment ratio will be reduced from 30% to 20% for 1 housing households who have settled the corresponding housing loans and applied for housing provident fund entrusted loans to improve their living conditions.
Fourth, the loan process.
If you buy more than one house because of the loan, or the buyers are older, or your personal credit record is bad, you can apply to the bank to change the main lender. Parents, children or other immediate family members are the main lenders who provide repayment. As a participant in the loan, the buyers themselves participate in the repayment of the loan. This will ensure that you can successfully apply for a mortgage.
And if it is because of personal wage income, can not meet the requirements of the bank and can not successfully apply for a mortgage, you can provide the bank with proof of income other than wage income. Such as housing lease contract, dividend income certificate, etc. You can also use property certificates such as real estate, securities, jewelry and art collections to prove to the bank that you have sufficient repayment ability.
If it is because the second-hand house is too old, or it is impossible to issue a personal tax bill to the bank to prove the authenticity of the income. Might as well take advantage of different bank loan regulations and try another bank. You can negotiate with the developer or intermediary company and go to a non-designated bank for remortgage business through the guarantee company.
Verb (abbreviation of verb) acceptance process
Check the House Quality Guarantee, House Use Manual and Completion Acceptance Record Form: Pipeline Distribution Map of the house before moving in-check whether the commercial house delivered to you is consistent with the commercial house to be purchased signed in the contract and whether its structure is consistent with the original design drawings. Whether the housing area has been measured by the real estate department and whether it is different from the contracted area. Check the xx City Construction Project Completion Acceptance Record Form for the whole building of the purchased commercial house. Only with this form can we know that the building has been accepted by the relevant departments. Check and accept the purchased commercial house together with the developer * * *.
The fee to be paid during the transaction of intransitive verbs.
1, stamp duty
2. Registration fee
3. Housing ownership certificate cost
4. Deed tax
5, residential public parts * * * have equipment maintenance fund.
Seven. Fees to be paid at check-in.
1, property management fee and heating fee
Eight. Fees to be paid for mortgage loan.
1, attorney's fee
2. Insurance premium
Nine, for the provident fund to pay fees.
1, assessment fee
2. Insurance premium
Comprehensive insurance: insurance premium = corresponding coefficient of lender's years * loan amount.
Precautions:
1. The purchaser must first know whether the building to which the house to be purchased belongs has signed a contract with the bank.
2. Sign a house purchase agreement with the developer and pay the down payment. In order to avoid disputes, the agreement should specify how to deal with the deposit payment method if the bank does not agree to the loan.
The above is the whole process from buying a house and choosing a house to finally handing over the house. Buying a house is a great event for China people, and it takes a lifetime's savings. Before buying a house, it is helpful to know the various processes of buying a house in advance.
(The above answers were posted on 2015-11-29. Please refer to the actual purchase policy. )
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