Xi an er suite purchase policy

In the purchase restriction order, it is clearly stipulated that local residents in Angola should buy 2 suites, the down payment ratio of 2 suites should not be less than 60%, and the loan interest rate should not be less than 1. 1 times of the benchmark interest rate. For local residents who own 1 suite or non-local residents who pay social security and individual taxes for more than 1 year, the purchase of 1 suite (including new and second-hand houses) is restricted, and for local residents who already own more than two houses or non-local residents who own more than 1 suite, the purchase of houses within the municipal area of Xi City is suspended.

Definition of one suite or two suites:

1. The so-called second suite refers to the mortgage house approved by the borrower's family (including the borrower, spouse and minor children). The per capita housing area of the borrower's family is higher than the local average level, and the families who have used the housing provident fund loan to buy houses have applied for housing loans from commercial banks again.

2. The number of residential units in commercial personal housing loans shall be determined according to the number of complete sets of housing units actually owned by family members (including borrowers, spouses and minor children, the same below) to be purchased. Upon the application or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.

3. The borrower applies for a loan to purchase a house for the first time, and his family has registered a complete house in the housing registration information system where the house is to be purchased; The borrower has used the loan to purchase the house and applied for the loan to purchase the house; If the Lender conducts due diligence by checking credit records, face-to-face tests, interviews, etc., and is convinced that the borrower's family owns one or more houses, the Lender shall implement the second or more differentiated housing credit policies for the borrower.

Second, the provident fund loan to buy a house process:

1. Submit the application for provident fund loan. If it is necessary to use the provident fund loan, the lender must first submit a loan application to the provident fund management center in the city where it is located, and provide the information needed for the loan.

2. In the preliminary examination of the provident fund loan, after receiving the loan application from the lender, the provident fund management center will review the lender's qualification, loan amount, loan term, loan information and other information, and put forward opinions.

3. After signing the provident fund loan contract, the lender receives the notice from the loan signing bank after passing the examination in the provident fund center. At this time, the borrower only needs to carry ID card, household registration book, bank account number and other materials within the specified time to go through the loan contract signing procedures at the signing bank.

Legal basis: Article 86 of the Measures for Housing Registration. If the ownership of the house is transferred according to law, the following materials shall be submitted to apply for the registration of the transfer of ownership of the house:

(1) Application for registration;

(2) the identity certificate of the applicant;

(3) Certificate of ownership of the house;

(four) the certificate of the right to use the homestead or the certificate of the right to use the collectively owned construction land;

(five) materials to prove the transfer of housing ownership;

(6) Other necessary materials.