2. If the non-local household registration households can provide local tax payment certificates or social insurance payment certificates for more than 3 years, they will be restricted to purchase 1 house, including newly-built commercial houses and second-hand houses.
3. Non-local households who already own 1 apartment or cannot provide local tax payment certificates or social insurance payment certificates for more than 3 years are suspended from buying houses locally, and overdue tax payment certificates or social insurance cannot be used as valid certificates for buying houses.
What is the process of buying a house?
1. The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents.
2. After both parties sign the house sales contract and reach an agreement on the location, property right status, transaction price, delivery time and property right disposal of the house through consultation, both parties sign at least three contracts for the sale of the stock house.
3. The buyer and the seller apply to the real estate transaction management department for review. After applying to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures to the houses that meet the listing conditions. If there is no property right or some property rights have not obtained the written consent of other property rights, the application shall be refused and the listing transaction shall be prohibited.
4. Contract. The real estate transaction management department shall, according to the property right status and the purchase object of the transaction house, report to the transaction department for approval step by step according to the approval authority set in advance, and both parties to the transaction may go through the formalities for signing the deed. Now Beijing has cancelled the real estate sales contract during the transaction, which is also commonly known as the "white contract".
5. Paying taxes and fees: The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of housing reform, relocation, affordable housing and other commercial housing is different.
6. Go through the formalities of property right transfer and transfer. After the real estate transaction management department completes the registration of property right change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate.
7. For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit, evaluate the house that both parties want to trade, determine the buyer's loan amount, and then approve the buyer's loan. The bank will issue a one-time loan within three working days after the two parties complete the registration change of property rights.
8. After the seller delivers the house and settles all the property fees, the house purchase and sale transactions of both parties are completed.