1. Find a house according to the work place, buy a professional real estate newspaper, and find a well-publicized real estate with a good property reputation. It doesn't matter if the area is small, but a good floor can make up for it. Don't buy strange buildings such as mountain houses on the roof and round towers that don't run north and south. Only a few percent of the total, greedy and cheap, and suffer big losses. Buying it for decades will stop the tide of time. Remember.
2. Go door to door to see the house. Even if you look at the house in 1 and plan to book it, at least don't look at the house with less than 5 sets. You can only choose by comparison. Individual projects with strong intentions can go 2~3 times.
There are many aspects of real estate. Not as beautiful as 10 all 10, more than half of them can be met. Whether it is private property right, whether it faces south, whether it is noisy along the street, whether there is thermal insulation benzene board in the north and south, whether there is 24-hour water supply, whether the floor is above the minimum standard 10CM, whether the frame is highly earthquake-resistant, whether the tile of multi-storey staircase reaches the top, whether it is shaded, whether there is pollution nearby, and whether the existing house is cheap, but the auction house is illegal and not insured, and the multi-storey expensive high-rise building is cheap, but the high-rise swimming pool is large and the property service is not good. Whether the surrounding facilities are complete, whether it is convenient to enter and leave the community, whether solar energy can be installed, whether the apartment type is reasonable and does not waste area, whether the developer has five certificates, whether there are property certificates and land certificates, whether the security guards patrol around the clock, whether people and vehicles are diverted, whether there are enough parking spaces in the garage, and whether there are new plans with good development prospects nearby.
4. The loan requires my ID card (all the following contents of both husband and wife are required after marriage), household registration book, proof of marital status (single certificate, marriage certificate, divorce certificate and widowed certificate issued by the marriage registration office of the civil affairs department where the household registration is located), income certificate (the accumulated amount of overdue repayment by both husband and wife is more than 2 times), bank flow within six months (consistent with the amount of income certificate), receipt and commercial housing sales contract (issued by the developer). Foreign hukou requires social security or tax payment certificate 1 year or more. The above required documents are comprehensive, but the loan policies of local banks are not completely consistent and may be different. Please consult the real estate sales for details. Payment period 1~30 years. The longer the payment period, the less the monthly repayment and the higher the interest rate. The provident fund is equivalent to the 30% interest rate of commercial loans, and you can use as much as you can. According to the current benchmark interest rate of commercial loans, the interest in 20 years can generally reach more than 60% of the loan amount, and it is basically the case in 30 years. Therefore, try to borrow as little as possible within your own ability. Although it is not usury, usury has not been lent in large quantities for many years.
At present, the payment for buying a house is generally divided into four parts: first, the down payment; Second, monthly repayment; 3. Property right fee (4% of the total house price-including 1.5% deed tax +2.5% property dimension, and various loan fees are slightly different within 1 000); Fourth, the occupation fee (generally calculated by area). In other words, if it is not a well-decorated house, in addition to the decoration fee, we must also prepare the above expenses.
Buying a house is a big deal. Don't think that you have to buy a small one to change it, at least two bedrooms, or you will have to live for 5 years 10 to know how much pressure you have to bear and how much effort you have to make to change your house!
Buying a house is a big deal, don't be completely confused by the rhetoric of the salesperson. They sell houses professionally, but you don't buy houses professionally, so you can't pay the deposit when your mind is hot.
Buying a house is a big deal, so do it with your heart. It is the condensation of all your efforts in your half life or even your whole life. Don't bother. Only by walking more, reading more and asking more questions can we make the information as complete as possible and make more correct choices!
20 12 is a good time to buy a house, of course, the premise is that you just need it, because you have to buy it sooner or later. In 20 13 years, the stock of real estate will decrease again, the ratio of supply and demand will change, and house prices may slowly pick up.
In terms of loans, specific cities need to consult specific cities. But so far, dozens of key cities restricted by the state have strict requirements, and the policy implemented by the government and banks is not that foreign hukou is not allowed to buy a house.
Requirements for household registration when signing commercial housing sales contracts;
1 ID number reflects the authority of local account.
2. The ID address reflects the authority of the local account.
3. Other ways to prove local hukou are allowed.
4. Non-local accounts have a tax payment certificate or social security certificate for more than one year (3 risks).
5. Non-local accounts cannot provide full tax payment and social security certificates, nor can they sign contracts.
Property right requirements of the property right office for household registration:
1 Two sets of local accounts are allowed.
2. A set of tax payment certificate or social security certificate (3 insurances) with foreign household registration for more than one year. The minimum down payment for the second loan is 60%.
Of course, this is the most stringent. Cities that are slightly relaxed are all local hukou, so this policy doesn't matter.
The provident fund also has to ask the local loan policy and the requirements for real estate management. Some real estate projects, whether provincial or railway, do not provide provident fund at all, which brings trouble to people, and the requirements of various provident funds are different. You should say hello. As long as you cooperate with the provident fund branches that allow foreign accounts, you can use a property.
At present, the interest rate of provident fund is equivalent to 30% interest rate of normal banking mortgage interest rate, which is still very cheap. You can use it as much as possible, but it's more troublesome. The sales office said it was useless and the interest was similar. What's more, this is nonsense, because it's not them who repay the loan, and it doesn't make any sense for them to spend more effort to save you ten points.
The loan procedure is probably:
Non-local accounts need social security (three insurances) or tax payment certificate (self-employed) 1 year or more, and the down payment for the first suite is 30% (on the premise of good loan credit). The purpose of this clause is to ask you to work in this city, not to speculate in real estate. The loan requires my (all the following contents of the married husband and wife) ID card, household registration book, proof of marital status (issued by the marriage registration office of the civil affairs department where the household registration is located, with single certificate, marriage certificate, divorce certificate and widowed certificate), income certificate (both husband and wife need to pay more than twice the monthly repayment), bank flow within six months (consistent with the amount of income certificate), receipt and commercial housing sales contract (issued by the developer). The above required documents are comprehensive, but the loan policies of local banks are not completely consistent and may be different. Please consult the real estate sales for details. Loan term 1~30 years. The longer the loan term, the less the monthly repayment and the higher the interest rate. The provident fund is equivalent to the 30% interest rate of commercial loans, and you can use as much as you can. According to the current benchmark interest rate of commercial loans, the interest in 20 years can generally reach more than 60% of the loan amount, and it is basically the case in 30 years. Therefore, I try to borrow less. Although the annual interest rate of 6.6% is not usury, usury has not borrowed a lot for many years.
It's useless to have a big house, as long as the pattern is good, it's the most important thing. These two things are not completely proportional.
Try to buy a big developer, you can't afford to hurt a small developer.
Finally, I hope you can buy a satisfactory house as soon as possible and live and work in peace and contentment.
Not much to say. I hope it helps you. Hope to adopt and seek approval.