1. Five certificates refer to state-owned land use certificate, construction land planning permit, construction project planning permit, construction permit and commercial housing pre-sale permit.

2. The construction land planning permit and the construction project planning permit are issued by the Municipal Planning Commission, the construction permit is issued by the Municipal Construction Committee, and the state-owned land use permit and the pre-sale permit of commercial housing are issued by the Municipal Bureau of Land Resources and Housing Management.

3. Supplementary Interpretation of "Two Books"

(1) If you buy a house, you have to accept it, or call it acceptance. What are two books? The two books were completed and accepted by the developers.

(2) Notify the buyer of two legal documents provided after moving in, one is the residential quality guarantee and the other is the residential instruction manual.

2. The procedure of buying a house is as follows:

1. To buy a new house, you need to prepare the following materials: sign a gold agreement, sign a sales contract, pay a down payment, sign a loan contract and a mortgage contract, apply for a birth certificate ID card, a marriage certificate (or a single certificate), a household registration book, a child's birth certificate with children, and a provident fund account number.

2. Buying a new house requires confirmation: confirm whether the first set or the second set meets the conditions for buying a house (also confirm whether the previous bank credit is good or not, which also affects the determination of the first set or the second set), and whether the loan method is provident fund loan, commercial loan or portfolio loan.

3. Pay attention to the provident fund loan: the maximum loan for the provident fund account is 300,000 yuan and 400,000 yuan for the supplementary provident fund. The provident fund is a family unit, and both husband and wife can jointly borrow, with a maximum loan of 800,000 yuan, and the interest rate of provident fund loans is much lower. Look at the cash and down payment before buying a house.

4. The process of buying a second-hand house: determining the desirable housing, agreeing with the owner to see the house, determining the purchase intention, signing the sales contract and the second-hand house sales contract with the ID card and deposit, paying the down payment of the loan, transferring the property right, transferring the land certificate, paying the final payment, moving out of the account, and handing over the house for inspection.

Third, legitimate and formal real estate developers must have complete "five certificates" and "two books". The so-called "five certificates" refer to the state-owned land use right certificate, construction land planning permit, construction project planning permit, construction project construction permit (also known as construction project commencement permit) and commercial housing sales pre-sale permit; "Two books" refer to the residential quality guarantee and residential instruction manual.