What are the conditions for Shanghai Provident Fund loan to buy a house
Nowadays, the price of housing is so high that many people stop. Most people will give priority to second-hand housing when they buy a house. Because the price is cheaper, then the problem comes. What is the business process of second-hand housing in Shanghai? What are the conditions for Shanghai Provident Fund loan to buy a house?
What is the second-hand housing business process in Shanghai?
1. The buyer shall understand the overall status and property rights of the house and require the seller to provide legal certificates, including house ownership certificate, identity certificate and other certificates. If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (paying the house purchase deposit is not the necessary procedure for the sale of commercial housing), and the buyer and the seller sign the house sale contract (or house sale contract).
2. After reaching an agreement on the location of the house, the status of property rights, the transaction price, the delivery time, the delivery of the house and the handling of property rights, the buyer and the seller of the second-hand house shall sign at least three copies of the house sales contract. The buyer and the Seller shall jointly apply to the real estate transaction management department for examination. After the buyers and sellers apply to the real estate management department, the management department shall check the relevant certificates, examine the property rights, and permit the transfer procedures for the houses that meet the listing conditions.
3. In the process of trading, if there is no property right or part of the property right and no written consent from other property co owners, the application shall be refused and the listing transaction shall be prohibited. According to the property right status and purchase object of the real estate transaction, the management department of the real estate contract can apply for the approval level by level according to the approval authority set by the transaction department in advance. After the approval, the transaction parties can go through the contract procedures. Now Beijing has cancelled the real estate sales contract in the process of transaction, which is commonly known as "white contract".
4. The composition of tax and fee is complex, which depends on the nature of the transaction house. For example, the tax and fee composition of housing reform housing, dilapidated housing, affordable housing and other commercial housing is different.
What are the conditions for Shanghai Provident Fund loan to buy a house?
When buying a house in Shanghai, there are certain conditions for using the provident fund loan. Only when the prescribed conditions are met can the provident fund loan be handled. Individuals and their units must continuously pay the housing provident fund for a full year. The borrower has a stable economic income, good credit and the ability to repay the loan principal and interest with compensation. When purchasing a commercial house, the borrower must have no less than 30% of the total house price.
The above is Xiaobian for Shanghai second-hand housing business process is what? What are the conditions of Shanghai Provident Fund loan to buy a house? The buying and selling process of second-hand house in Shanghai is more complicated than that of new house. After all, everything has advantages and disadvantages. The price of second-hand house has been much cheaper, so the process will be relatively complicated. As long as you follow the procedures, there will be no big mistakes.