Non local house purchase refers to that the registered permanent residence of the buyer is not in the same province as the place where the house is to be purchased. According to real estate experts, the major difficulty faced by house purchase in other places is that information communication is not timely, and ordinary citizens cannot have the time and energy to pay attention to the real estate market in other places. So, what are the precautions for buying a house in another place?
What are the preparations for house purchase in other places?
1. Control personal finance
Before buying a house, we should pay attention to controlling personal financial expenditure and avoid the 'economic crisis' caused by excessive consumption. In general, personal liabilities should not exceed 50% of total personal assets, otherwise the security of family assets will be threatened.
Therefore, it is more important to 'increase revenue and reduce expenditure'. Only by reasonably arranging expenditure can we ensure that families have appropriate funds for other * planning, so as to achieve the purpose of 'open source'.
2. Understand local house purchase policies
If it is a loan house purchase, you also need to understand the local loan interest rate policy. There may be a gap in the interest rates of different banks. Different places also have different regulations on secondary and multiple home purchases. You must also understand clearly before buying a house.
3. Positioning is critical
The middle class with a monthly income of nearly 10000 seems to be 'rich', but before deciding to go through the formalities of buying a house with a different registered permanent residence, we should start from many factors to measure the level of family income, the amount of existing deposits, the amount of loans available and the amount of financial assistance available to relatives and friends. Correctly estimate their actual purchasing power in order to determine the type, area and price of houses to be purchased.
4. Shop around
At present, many banks have launched 'direct customer service' for people who handle the formalities of buying houses with remote accounts, which is' collision 'with the service mode of traditional personal loan financial institutions.
Objectively speaking, the bank's' direct customer service 'has the advantage of saving money, but the relative loan products are relatively single, while the individual loan financial service institutions have incomparable advantages from the perspective of loan service professionalism, real estate and financial policy authority, and mastering the loan products of multiple banks. Therefore, before going through the formalities of buying a house with a different registered permanent residence, buyers should 'compare loans with three', and choose a suitable loan entrustment method.
What should we pay attention to when buying a house in another place?
1. Do what you can and fully understand your own situation.
Some cities need local Hukou and local social security to buy a house. These should be confirmed before buying a house. In addition, we should be aware of our own credit status and economic income status, so as to avoid being unable to handle bank mortgage loans later because of our own economic status or bank credit stains.
2. Familiar with local house purchase regulations and policies
We need to know whether the purchase is limited locally and whether the provident fund can be used in other places. When non local buyers apply for house purchase loans in other places, they should not only provide ID cards and household register, but also come to pick up the income certificate and bank flow in other places. In addition, whether they must provide the tax certificate or social security payment certificate of local work. Because there is no unified standard in the country, there will be differences in various regions, so these regulations should be understood before buying a house.
3. Field investigation and rational treatment of relevant publicity
The real estate publicity provided by developers on site should be treated rationally, and some commitments made to them should be better presented in writing. In addition, it is better to visit the local area in person to investigate the average price of local real estate, the reputation of developers, understand the planning of surrounding facilities of the community, and be aware of some basic conditions.
4. Ensure the safety of house purchase loan allocation
Generally, it is not recommended to carry cash, but transfer the house money through the bank account. Of course, wire transfer, transfer, check and other methods can also be selected to ensure the safety of fund transfer.