The certificate of no-householding can be issued twice. The certificate of no-householding needs to be obtained from the housing authority. Procedures required for applying for a house-free certificate: A house-free certificate is generally issued at the county or district level where the household registration is located. Residents with registered residence in this city can issue a housing certificate directly at the service hall of the Housing Authority. The no-house certificate obviously proves that there is no house. You can go directly to the housing authority to issue the no-house certificate.

What are the steps in the process of buying a house with a bank loan?

1. Select a house

Buying a house is a big deal, so it is natural to examine the location, location, and layout of the house. , house price, house type, quality, etc.

2. Determine the developer’s qualifications

Since you plan to take out a loan to buy a house, you must determine whether the developer has the loan qualifications granted by the bank. Generally speaking, if the developer has all five certificates, it will After passing the bank's review, consumers can proceed with the loan purchase process with confidence.

3. Submit a loan application

Buying a house with a loan requires consumers to have a stable job and income, and have sufficient ability to repay debts. For example, if a civil servant takes a loan to buy a house, he or she needs to prepare his or her job. Certificates, income certificates, etc. Generally speaking, there will be bank staff at the sales office. Consumers can consult in detail and prepare the required materials.

4. Wait for the bank’s review results

The bank will review the home buyer’s financial ability, personal credit, etc. Home buyers with no bad records have a greater chance of passing the review. The bank After the review results come out, a house purchase contract will be signed.

5. Sign a house purchase contract

The reason why the bank approves the house purchase contract first and then signs the house purchase contract is because if the bank fails to pass the review, the buyer can find other ways to avoid causing huge financial losses. pressure. When signing a contract, you must check the contents of the contract item by item to ensure that all relevant agreed contents are not omitted. Any unclear or unclear terms must be fully explained in the supplementary agreement.

6. Sign a mortgage contract with the bank

The home buyer brings the purchase contract, down payment certificate and other required materials to sign a bank mortgage contract with the developer and bank, agreeing on the loan amount and repayment amount. , repayment period, etc.

7. House filing and mortgage

At this point in the house buying process, the home buyer needs to take all the procedures to the real estate registration office for filing, property rights registration, loan mortgage and other procedures. It should be noted that the registration must be filed first. Only if the registration is successful can the previously signed contract be legally effective, and the next step of mortgage loan can be carried out.

8. Go to the bank to open a special account and start repayment

After the account is opened, the bank will automatically deduct the money every month according to the matters agreed in the contract.