What are the qualifications for buying a house?

In fact, under the purchase restriction, the qualification for buying a house is limited. In order to prevent buyers from buying houses for nothing and 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.

The specific process of buying a house

1, determine the house selection order.

Before choosing a house, determine the order of choosing a house. At present, there are two ways to determine the order of housing selection. One is to choose houses according to the order of the number in hand when arranging the number in the early stage, and the other is to decide who has the right to choose houses first by drawing lots. For example: in the first way, Xiao Zhang ranked 50th, so he should be the 50th person to enter the room on the day of house selection; In the second way, there are 200 people in line, and the number plate in Xiao Zhang's hand is 50. Xiao Zhang shook the first number when he waved the number, so Xiao Zhang was the first to enter the room.

2. Waiting area

Buyers wait in the waiting area first. There is a sales control table 3 and a display board with housing characteristics in the waiting area, so as to know the housing selection situation in the infield in time. If you are not fully prepared before choosing a house, you can look at the exhibition board and make a record.

The staff dialed this number.

The staff of the developer will call this number. When the last batch of buyers choose a house, the staff will ask the next batch of buyers to wait in the queuing area. When waiting in line, there is also a sales control table, which is convenient for buyers to know the situation of housing selection in time.

Step 4 allow access

Waiting to enter the housing selection area is at the door of the regular housing selection area, and there will also be a sales control table 2 in this area. Compared with the sales control table 3, the sales control table 2 has higher timeliness and more accurate house selection.

Step 5 choose a house

Find the house you want in the sales control table 1, and then paste your own number plate to complete the house selection. If the house that buyers like is taken away by others, they can go out directly from the exit and consult the staff for follow-up matters.

Step 6 fill in the subscription book

In the subscription book filling area, fill in the relevant information on the subscription book and sign it, indicating that this suite is the property buyer's own.

What are the conditions for buying a house?

If you are a legal resident of the mainland and a natural person with full capacity for civil conduct, you can buy a house. When buying a house, it can be divided into one-time full payment and mortgage payment according to the payment method. If it is a one-time payment, there are no conditions for the buyer. If it is a mortgage loan, buyers need to meet the following conditions:

1, stable economic income, good credit record, ability to repay loan principal and interest, and provide authentic and credible income proof documents.

2. The sum of the loan application period plus the existing age shall not exceed 60 years of age.

3. If the mortgaged property is owned by * * *, one of them must be determined as the main applicant for the loan application, and the main applicant must meet the above conditions.

4. The sum of the service life of the mortgaged property and the mortgage life is generally not more than 30 years.

5. The borrower signs a real estate sales contract with the seller and pays a down payment of not less than 30% of the house price. Other conditions stipulated by the bank.