A lot of people don't have all their certificates when they buy a house. It's a waste of time and energy. In order to avoid waste of energy, the following small make-up to introduce you to buy a house procedures need? What do you need to prepare before buying a house?
What procedures do you need to buy 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 up.
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 specified 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. Choose the loan method.
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. Get a loan.
To apply for a loan, select the lending bank - determine the amount of the loan - provide the information needed for the loan - sign the loan contract - issue a certificate of other rights after the completion of the real estate transaction - the bank receives the certificate of other rights, the loan is transferred to the borrower's account, and the borrower pays off the loan on a monthly basis.
5. House acceptance.
Finally, check the House acceptance, check the "residential quality guarantee", "residential user manual" and "completion acceptance record form" before moving in.
What do you need to prepare before buying a house?
1. Understand the 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. Whether they are 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.
4. Make clear the purpose of buying a house.
Before buying a house, we need to clarify the purpose of buying a house, whether to buy a house for ourselves or to buy a house. When choosing a house, the focus is different. Plan to buy how big a house, a few rooms and a few halls. These are all things to consider before buying a house.
What are the procedures for buying a house? Before buying a house, you need to prepare all the contents. When you buy a house, you want to be at ease. Therefore, before buying a house, we must see whether the relationship between land and house property rights is clear, whether there are disputes left over, and we must prevent two sales of one house. In addition, we should also pay attention to the authenticity, reliability and integrity of housing property rights.