Defining property rights is the key.
Buying a house must depend on whether the relationship between land and housing property rights is clear, whether there are any disputes left over, and prevent one room from being sold for two; Review the integrity, authenticity and reliability of housing property rights. Pay attention to whether the owner's name on the real estate license is consistent with that of the seller, whether there is a mortgage or someone, etc. It is necessary to find out whether the house you buy is a commercial house, a fund-raising house or an affordable housing. Fund-raising houses need to be stamped by the unit to be listed and traded, and affordable houses need to live for five years to be listed and traded.
The second step is to sign the contract
Confirm the legal identity of buyers and sellers
Expert tip: before signing a real estate agency contract, it is necessary to review its qualifications to see if it has gone through the industrial and commercial registration procedures; Second, it is necessary to review the other party's power of attorney and confirm that the other party is the legal agent of the seller.
When signing the sales contract, the buyer must pay the down payment or deposit for the house purchase, and remember that the money should be handed over to the seller in person, and the seller will issue a receipt. When giving it to others, you must review the other party's power of attorney to confirm whether the other party is the legal agent of the seller.
Step three, go through the formalities.
The necessary procedures cannot be simplified.
After three steps of house selection, house inspection and contract signing, we enter the substantive stage of buying a house. Specifically: housing area mapping, housing value evaluation, housing mortgage loan, housing property transfer, and receiving receipts. Expert tip: you should apply for the real estate license as soon as possible after buying a house, and urge the seller to move out of the account as soon as possible; Don't simplify the procedures, don't trade privately, and go through the transfer formalities legally and thoroughly. The transfer of property rights must be reported to the property rights department before the transfer formalities can be handled.
The fourth step is to hand over the house.
According to the contract.
After all formalities are completed, the Buyer and the Seller shall hand over the house in accordance with the terms of the contract, and accept the house decoration and ancillary facilities that cannot be removed in the house. After the acceptance, the buyer pays. Expert tip: the buyer should not pay off all the house payment before obtaining the real estate license. Regarding the payment of taxes and fees, it should be indicated in the "Sales Contract" which party will bear it, and the unspecified ones will be borne separately according to the regulations; Finally, according to the regulations of the real estate trading center, I must be present in person when I receive the real estate license. If you can't get the license at the scene for some reason, you should go through the notarization formalities of entrusted license in advance.
There are many kinds of loans to buy a house, including provident fund loans and commercial loans. Before making a loan, you need to know how much money is in your provident fund account and how much money your unit gives you every month. Only by knowing your own situation can you get a loan. Provident fund is a kind of welfare for employees, and the loan interest is much lower than that of commercial loans. Commercial loans can generally be combined with provident fund to make a portfolio loan. If you want to borrow a lot, but your provident fund balance is not much, you can combine loans at this time.
After determining your own provident fund, choose a house. Determine the total price and down payment of the house, and the total price MINUS the down payment is the loan money. You can't get a down payment, so you must have some cash on hand. General down payment is 30%. If you have more than 30% down payment, you can also give cash. The reason for this is to reduce the amount of money you borrow, because loans need interest, so in terms of the total amount, the more cash you give, the less loans you get. Of course, it depends on your own situation.
When you get a loan, you should have a guarantee. For example, if you want to borrow 65,438+10,000 yuan, then you should provide 50,000 yuan of provident fund guarantee. You can find friends in your city and join hands to add up the total balance of the provident fund to more than 50 thousand. In addition to provident fund guarantee, there are passbook guarantee and real estate license guarantee, but these two are more troublesome. Passbook guarantee, if you want to borrow 654.38+million yuan, you have to use a passbook of1654.38+million yuan, and the passbook cannot be withdrawn at maturity; Property guarantee depends on the size of the property you provide, even if it is too small, it can only be local.
Guarantee means that someone else gives you a guarantee that the money in your account can be taken out. You can take the exam once a year. So withdrawing money and lending are two unrelated processes.
After the loan is completed, the bank will give you an account number, and the provident fund center will calculate the money you need to pay back every month. You just need to remit the money to this account before the 20th of each month.
You can also repay the loan in advance, but the loan must be 1 year. You can pay less interest if you prepay. But the specific rules depend on the contract you signed with the bank.
If it's just a commercial loan
Decide the repayment amount according to your own affordability.
To measure financial affordability, we should follow the following three criteria:
1. The monthly repayment amount of the loan is ≤ 50% of the monthly disposable income-monthly property management fee;
2. The monthly repayment amount of the loan is less than or equal to 55% of monthly disposable income-monthly property management fee-monthly repayment amount of other debts;
3 cash, bank deposits and other emergency funds need to be able to maintain daily expenses for more than three months in case of emergency.
It should be reminded that most banks provide the business of changing the repayment method of mortgage loans, and at the same time provide the combination method of repayment. If you find that the current mortgage repayment method is not suitable, you should consult professionals and choose a suitable combination to make changes, so as not to hurt your credit or make the burden and pressure too great.
Increasing the number of down payment layers as much as possible can avoid interest rate risk (non-fixed interest rate mortgage)
Take the loan of 500,000 15 years as an example. The down payment is 20% and the interest rate is 6. 12%, which is 23,572.43 yuan more than the interest rate of 5.5 1%. When the down payment is 30%, the increase is 20625.87 yuan, that is, when the down payment is determined, the increase brought by interest rate is inversely proportional to the down payment. The higher the down payment ratio, the smaller the interest increase after raising interest rates. Therefore, buyers may wish to consider increasing the down payment ratio and reducing costs. Moreover, if the down payment is increased, it can also reduce the monthly payment burden for buyers: assuming the interest rate is 5.5 1%, the down payment of 30% will reduce the purchase expenditure by 73,585 yuan compared with the down payment of 20%, and the monthly repayment amount will be reduced by 408.5438+0 yuan; The interest rate is 6. 12%. The down payment of 30% is 7653 1.84 yuan less than the down payment of 20%, and the monthly repayment is 425. 17 yuan less.
Banks set thresholds for average capital and loan principal and interest.
At present, most banks have income restrictions when providing average capital and matching principal and interest loans. Relatively speaking, due to the high initial repayment amount, the threshold of general capital loans is also higher than the equal principal and interest.
Take a loan with a term of 65,438+200,000 yuan in 2005 as an example. The monthly repayment amount of equal principal and interest is about 1.707 yuan, and most banks need the lender to earn more than 3,000 yuan a month. For the same loan, the average capital repays 2200 yuan in the first month, and the bank automatically raises the threshold to 4000 yuan. What kind of loan method to choose should also consider the income requirements of lenders in different ways.