What does the qualification for buying a house mean?
1, the qualification for buying a house is actually the purchase restriction under the purchase restriction order. In order to prevent buyers from buying houses for nothing, and to control profitable housing transactions, the qualification examination of buying houses has become a procedure that every buyer must go through. Therefore, some cities have restricted the purchase of 1 set for households with local household registration who already own 1 set, and suspended the purchase of two or more sets of houses.
2. The so-called qualification for buying a house has different regulations in different cities. If you buy a house in the place where your household registration is located, you need to have the original and copy 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 are required.
3. If the registered permanent residence and the place of purchase are different, the local tax payment certificate or social insurance payment certificate of more than 1 year is required in the process of buying a house and mortgage in different places. If non-local residents who cannot provide these certificates apply for housing loans, the lender will implement the second (or above) differentiated housing credit policy, which means that the down payment and loan interest rate may increase.
What should I pay attention to when buying a house?
1. When buying a house, you must pay attention to the house property certificate. The real estate license is the only proof that the owner owns the house. Trading without real estate license, the buyer can't get the house, which is very risky. The owner can mortgage or resell the real estate license, even if it is not obtained in the future, the owner can mortgage and resell it. Therefore, it is best to choose a house with real estate license for trading.
When buying a house, some people can't be ignored. Some houses have multiple owners, such as heirs, families and couples. To this end, the buyer should sign a house sales contract with all owners. If only some * * * people dispose of the property owned by * * without authorization, the sales contract signed by the buyer with other * * * people is generally invalid.
Some houses were rented by others when they were transferred. If buyers only look at the property ownership certificate and pay attention to the transfer procedures, but not whether there is a lease, then it is very likely that buyers will get a property that cannot be moved in or used in time. Because China, including most countries, recognizes that "buying and selling does not break the lease", that is to say, the housing sales contract cannot compete with the previous lease contract. This point is ignored by many buyers and intermediary companies in practice, and is also used by many sellers, which leads to more disputes.