To buy a house, you must first pay a down payment and then go to the bank to apply for a loan. Home buyers need to sign a house purchase contract with the developer and pay the down payment. After receiving the down payment receipt, they can bring these house purchase information and the loan information required by the bank to the The bank handles the loan application procedures.
Information required for bank loans
1. Identity card;
2. Household register;
3. Marriage certificate or unmarried certificate (Some banks have templates for the unmarried certificate, which only requires a signature);
4. Bank statements, printed for half a year to a year;
5. Personal credit report, the People's Bank of China provides proof of identity The certificate can be printed or printed on the online platform;
6. Relevant information for business and loan purposes, such as purchase and sale contracts, purchase vouchers, decoration contracts, etc.;
7. Asset certificates , such as a copy of the real estate certificate, car driving license, etc., this is only used as proof of personal assets and calculation of the asset-liability ratio.
The process of buying a house with a loan
1: Preparation before looking at the house
Before looking at the house, you can first make a capital plan and clarify the down payment you can allocate. funds.
It is best to have a specific range of down payment funds and choose a suitable house within this range.
Determine the type of property you want to buy based on your own home-buying qualifications. If you cannot buy a 70-year-old house, you can buy a commercial and residential house.
2: On-site viewing
When you go to the sales office to view the property, you need to see the project sandbox, unit type sandbox, and regional sandbox.
To understand the specific situation of the entire property, you need to ask the real estate consultant about the surrounding facilities and planning and construction, as well as the unit price of the house, preferential activities, etc.
If you are looking for an off-plan housing project, usually the surrounding facilities are still being planned. You can go to the government website to check the surrounding planning documents.
3: Ranking and House Selection
For some properties that are launched intensively, the developers will ask the buyers to rank and select houses according to certain rules on the actual opening day.
When choosing a house, the whole process is relatively compact. Home buyers can make backup plans in advance to try to choose the house of their choice.
4: Subscription
After choosing a house, if you want to subscribe, the buyer needs to prepare the materials for house purchase qualification review in advance, and submit the materials to the developer after signing the subscription letter. personnel.
At the same time, when subscribing, you must also pay a part of the deposit. The deposit will have a receipt (UnionPay receipt), and the amount of the deposit will not exceed 20% of the total room price stated in the contract.
5: Sign online, sign the contract, and pay the down payment
After submitting the home purchase qualification review, the review results will generally be issued within 10 working days.
After passing the review, the developer will notify the buyers to come and sign the purchase contract.
When signing a house purchase contract, you should pay attention to whether there are any blank clauses in the contract, whether the rights and obligations in the supplementary agreement are reciprocal, whether liability for breach of contract and compensation are clearly stated, whether the delivery date and delivery standards are clear, etc. wait.
To pay the down payment, there will usually be a POS machine at the sales office. Keep the UnionPay slip you opened for payment and wait for the down payment invoice issued by the developer. Usually you can get it on the same day.
6: Loan
If there are bank staff stationed at the sales office, buyers can hand over the prepared materials to the bank.
The loan lending time is related to the bank's processing speed and the cap situation of the building. Taking Beijing as an example, for off-plan housing, the lending time for commercial loans and municipal provident fund loans is after the cap, while the mortgage loan time for state-managed provident fund loans has nothing to do with whether it is capped.
7: House inspection and acceptance
After completing the previous steps, the home buyer needs to wait for the developer to notify the owner of the house. Home buyers need to pay attention to the closing time, carefully check every detail of the house during the home inspection, and check the "three certificates, two books and one form".
If the developer cannot produce these documents, it can directly refuse to take over the house. If you are concerned about your own home inspection, it is best to ask a professional to conduct a home inspection.
8: Pay taxes
After taking possession of the house, full-price buyers can take the purchase invoice and the measured area difference invoice (if you buy a house off-plan and there is an area difference, you will have this invoice ), go to the local tax bureau to handle tax payment.
Generally speaking, commercial houses need to pay deed tax and a special residential maintenance fund. Commercial houses need to pay an extra stamp tax, and then pay property fees, heating fees, parking spaces and other fees.
9: Apply for a house certificate
To buy a house with a loan, the developer usually hires a third-party agency to handle it. The buyer only needs to hand over the materials and fees to the agent and wait to get it. The house itself is good.
Under normal circumstances, the house book will be issued 180 days (existing house) to 270 days (off-plan house) from the date of move-in.