Nowadays, the house is the focus of social attention. It's hard to live in a society without tile on the house. As an ordinary person, what are the procedures for buying a house? How long does it take to buy a house? What documents do you need to buy a house? In fact, the procedures for buying a house are not complicated. It only needs to be handled step by step according to the process. Buying a house is a very simple thing.
What documents do you need to buy a house?
The following materials are required for the full purchase:
1. Married, need to have: marriage certificate, ID card and household register of both husband and wife.
2. To be single, you need to have: ID card, account book and single certificate.
The following documents are required for the loan:
1. If you are married, you need to take the marriage certificate, household register, income certificate and the copy of the business license of the unit with your official seal, salary card and ID card of both parties. Two people loan together. The spouse needs to show the income certificate, household register, marriage certificate, business license of the unit, copy of the license with official seal and salary flow.
2. If you are single, you need to provide a single certificate, account book, income certificate, bank statement and ID card.
What certificates are required for housing purchase of provident fund:
1. Income certificate of the applicant
2. Copy of the account book of the applicant
3. Copy of applicant's ID card
4. Payment certificate of provident fund
5. Original purchase contract
6. Original down payment for house purchase
If you are married, you need to provide materials above spouse and copy of marriage
7. Copy of house sales license
8. Copy of land use certificate
Specific procedures for house purchase
Step 1: prepare materials
Before buying a house, you should have a good ID card, account book, income certificate, marriage certificate, first installment house payment certificate, bank passbook and good credit record.
Step 2: house inspection
Before buying a house, we should first look at the house to see whether the land and property rights of the house are clear and whether there are any remaining disputes. Pay attention to whether the name of the owner on the property right certificate is consistent with that of the seller. Make clear the type of housing, the financing housing can only be traded after the unit seals, and the affordable housing can only be traded after five years. If it is a future house, we know whether the developer has' five certificates'.
Step 3: sign the contract
After confirming the identity of both parties and before signing the contract, the intermediary qualification shall be examined to see whether the industrial and commercial registration formalities have been completed and the other party shall be confirmed as the legal agent of the seller. When signing the contract, the Seller shall pay down payment or deposit, and the Seller shall issue a receipt.
Step 4: go through formalities
After a series of formalities, it will enter the stage of buying a house, including surveying and mapping of house area, evaluation of house value, transfer of house property right and receipt. After buying the house, we should handle the real estate certificate as soon as possible and urge the seller to move out of the account. Private transaction is not allowed, and the transfer of property rights can only be completed by relevant departments.
Expenses for buying a house
1、 Fees for one-time payment
1. Transaction service fee: 3% of the contract price, 1% for the owner and 2% for the developer.
2. Notarization fee of sales contract: the house price is within 500000 yuan, charged at 3% of the contract price; the house price is between 500000 yuan and 5 million yuan, charged at (contract price - 500000 yuan) × 2.5% + 1500 yuan.
2、 Fees for mortgage payment
1. Transaction service fee: 3% of the contract price, 1% for the owner and 2% for the developer.
2. The lawyer's authentication fee is 300 yuan per household.
3. Notarization fee of sales contract: within 500000 yuan, 3% of the contract price, between 500000 yuan and 5 million yuan, 2.5% + 1500 yuan (contract price - 500000 yuan).
4. Deed tax is 1.5%, decal is 5 yuan, real estate transfer registration fee is 50 yuan, stamp tax is 0.03% and mortgage insurance fee is subject to the actual situation.
How many days does it take to go through the formalities for buying a house?
After the implementation of the house purchase audit in April 2016, the house purchase audit was adjusted from the original 5 working days to 10 working days, almost two weeks. The validity period of the house purchase audit is 15 natural days.
Editor's summary: the above is about how long to complete the purchase process in the sales department, hoping to help the friends who have this demand! If you need more information, please continue to pay attention to our website, and more wonderful content will be presented in the future. You can also go to Qijia mall to buy your favorite products!
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