1. Inquire about the qualification of buying a house. When buying a house, some buyers will think that the object of house purchase restriction is mainly people who have already bought a house. If they have never bought a house, they will not be affected by the purchase restriction, but not necessarily, especially those who want to buy a house in these big cities. The first thing to know is whether they are qualified to buy a house. Generally speaking, buyers with local hukou can buy the first suite locally, while buyers with foreign hukou need to meet certain tax or social security requirements.

2. Prepare down payment and house purchase deposit. Although it is now possible to buy a house with a loan, buyers still need to pay the down payment to the developer before handling the loan, so buyers should know what kind of house to buy when buying a house, and the down payment needed for buying a house with a loan. In addition, when looking at the house, if you meet a house that suits your mind, you generally need to pay a house purchase deposit.

3. Look at the house and choose a house. When buying a house, the buyer must look at the house and choose the house. For buyers who want to apply for loans when buying a house, they should pay attention to loans when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

4. Pay the house purchase deposit. When buyers buy a house, developers usually ask buyers to pay a certain deposit or deposit. At this time, the buyer must pay attention to whether to pay the deposit or the deposit, in which the deposit is legally binding. Property buyers default, the deposit can not be recovered, developers default need to double the deposit. The deposit is not expressly stipulated in the law, which generally means to pay a certain amount of money in advance without compensation for breach of contract.

5. Pay the down payment and sign the house purchase contract. In housing transactions, the significance of the purchase contract is definitely very significant for buyers, because the purchase contract generally contains a lot of information about the house. The contents of the purchase contract generally include the area, unit price, total price, building, floor, unit and number of households of the house. At the same time, it is necessary to negotiate relevant matters needing attention and supplementary terms, including the division of responsibilities after the delivery of the house and the handling methods of emergencies.

6. Go through the mortgage formalities. When property buyers have determined that they can apply for loans in the bank, they should determine the loan method they want to apply for. Generally speaking, the loan methods mainly include provident fund loans and commercial loans, and the repayment methods also need to be determined by the buyers themselves. There are two repayment methods: equal principal and interest repayment and equal principal repayment. Buyers should choose the one that suits them according to their actual situation.

7. Wait for the delivery. If the house purchased by the buyers is a new house, it will definitely take some time to get it, because most of the new houses are faster. When delivering the house, buyers can invite specialized house inspectors to inspect the house from top to bottom and from inside to outside according to relevant industry standards, including inspecting outdoor venues, roofs, basements, floors, attics, water and electricity facilities, and starting heaters, air conditioners and other equipment.