Sihai network

What are the procedures for buying a house? What information should be prepared before buying a hous

When we buy a house, if we don't have complete information, we will run back and forth again and again, which is not only time-consuming but also laborious. In this fast-paced era of struggling for life, encountering such things will really irritate people and create negative emotions. Therefore, why don't we understand these situations clearly before we buy a house? What are the procedures for buying a house? What do you need to prepare before buying a house?

What are the procedures for buying a house

1. Subscription

When buying a house, you need to subscribe in advance. You need to confirm the source of the house at the sales office - fill in the personal purchase information - sign the deposit contract - both parties sign for confirmation and seal - the buyer pays the deposit and keeps the receipt. Note that this is a down payment, not a down payment. Deposit is not clearly defined in law. It usually means advance payment and there is no liability for breach of contract.

2. Sign a contract

When signing a contract to buy a house, you should bring the deposit receipt, your ID card, personal seal, household register and income certificate. The process is to sign the "commercial housing purchase contract" within the time limit agreed in the deposit contract - both parties negotiate on the contract - both parties sign and seal - the buyer pays the down payment and keeps it.

3. How to choose a loan

When choosing the loan method, the application condition of commercial loan is low, and it is widely used. Provident fund loan is a kind of housing security system provided by the state for residents, and the application conditions are relatively more complex.

4. Apply for a loan

To apply for a loan, select the lending bank - determine the loan amount - provide the information needed for the loan - sign the loan contract - after the completion of the real estate transaction, issue a certificate of other rights for the transaction - the bank receives the certificate of other rights, the loan is transferred to the borrower's account, and the borrower repays the loan on a monthly basis.

5. House acceptance

Finally, the House acceptance, check the "residential quality assurance", "residential user manual" and "completion acceptance record form" of the house before moving in.

What should be prepared before buying a house

1. Understanding loan policy

Before buying a house, we need to understand the loan policy. In many cities, there are restrictions on purchase and loan. The proportion of down payment for the first, second and third housing is different. Before you buy a house, you should find out whether you can make a loan again. If you buy a house with a loan, the down payment is several percent. In addition, check your credit record to see if bad credit affects the loan.

2. Are you qualified to buy a house

Before buying a house, you need to know whether you are qualified to buy a house. Many first - and second tier cities have restricted the purchase of a house. Before buying a house, you need to know whether you are qualified to buy a house.

3. Evaluate your ability to buy a house

Before buying a house, you need to evaluate your ability to buy a house and see how much money you have on hand. What is the monthly income and expenditure of the family? How much is the down payment? How much does monthly repayment not affect the quality of family life? If you have a baby to be born or a baby to be born, you should also consider the cost of this part. To be sure to buy a house, we should prepare a certain amount of funds and do a good job in family housing budget.

What are the procedures for buying a house? Many friends buy a house for the first time. The above will help you. You must be familiar with it. Don't do your homework before you buy a house because you are busy. If you encounter problems later, you will only delay more time. You can not only learn about it online, You can also consult experienced friends or professional staff.