What are the conditions and procedures for buying a house in Zhejiang?
1. If you want to buy a house in this city, you need to have these materials, including the original and photocopy of your ID card and household registration book; If the husband and wife are registered in the same account, the original and photocopy of the marriage certificate or marriage relationship certificate issued by the civil affairs department shall be provided; If I and my minor children are not in the same account, I need the original and photocopy of the minor's identity certificate and kinship certificate issued by the public security department.
2. If you buy a house in another city, different cities have different requirements and need to be determined according to the actual situation. For example, if you are not registered in Zhejiang but want to buy a house in Zhejiang, you need to meet these conditions, including tax payment certificate (personal income tax) in Zhejiang for five consecutive years or social insurance certificate in Zhejiang for five consecutive years.
3. Have a valid temporary residence permit; Married couples have no house; ID card, marriage certificate and household registration book; Loan to buy a suite outside Zhejiang, and loan to buy a house in Zhejiang, with a down payment of more than 60%; If you have a collective account, you must find a unit to receive your account, issue a receipt certificate and stamp it.
What aspects should I pay attention to when buying a house?
1, buy according to capital and demand.
When buying a house, consumers should pay attention to their own conditions and have a detailed understanding of their own funds and the credit rating of bank loans to avoid default. Before buying a house, you should choose what kind of house to buy according to your own housing needs, and consider the area, floor and location of the house according to your own housing needs.
2. When choosing a house, you should make a field trip.
Consumers must not trust the advertisements and oral descriptions of the sellers, and must go to the location of the real estate to inspect the specific situation of the pre-sale houses. The price, area, apartment type, surrounding environment, supporting facilities, water supply, power supply, sewage discharge, greening and security of the house should be consulted in detail. Be cautious about the verbal promises of developers, rationally treat the publicity materials, model rooms, real models provided by developers and the "warm reception" of on-site real estate sales representatives, and verify them clearly on the spot.
3. Understand the purchase policy of the place where the house is purchased.
Consumers must go to the local administrative department in advance to consult the purchase policy and restrictions. To buy a house with provident fund, you need to go to the competent department of housing provident fund to find out whether you can use the provident fund in different places.
4. Check the "five certificates" and "two books" when buying commercial housing.
When buying new commercial housing, consumers should carefully examine the "five certificates" and "two books" of the developer's commercial housing, namely, the construction land planning permit, the state-owned land use right certificate (or immovable property right certificate), the construction project planning permit, the construction permit, the pre-sale permit of commercial housing, the residential quality guarantee and the residential instruction manual, and do not buy houses with incomplete "five certificates". Otherwise, it is easy to cause serious consequences such as the inability to hand over the house and the inability to apply for the certificate of immovable property rights, which is very risky. When checking the pre-sale permit, consumers should look at whether the name of the developer, the name of the residential project and the nature of the commercial housing are in line with the actual situation, and pay special attention to whether the houses approved for sale are consistent with the houses to be purchased.
5. Carefully sign commercial housing sales contracts and keep relevant documents.
Consumers should carefully sign the commercial housing sales contract (including the subscription agreement), carefully read and fully understand the contract terms, supplementary terms and contract annexes. Don't trust the verbal promises of developers, and write the promised items and contents into the purchase contract. At the same time, consumers should use the Commercial Housing Sales Contract (Pre-sale) (model text) recommended by relevant departments. Remind consumers to deposit the advance payment directly into the bank supervision account, and exchange the deposit certificate for the purchase receipt or invoice.