What should I pay attention to when buying a fund-raising house? First, the fund-raising house is a property built by government agencies and institutions to solve the housing difficulties of employees with internal structure. Organs and institutions use the land use right certificate and part of the funds to raise funds from employees with internal structure. After the project is completed, it will be sold to employees in the internal structure at a lower price. Fund-raising houses cannot be transferred in the market, and the property rights of fund-raising houses belong to institutions in the form of overall property rights. Employees only buy property rights, but they don't have complete property rights, so there is no separate property right registration certificate for fund-raising houses.
Secondly, if employees fully contribute, they can operate 100% property rights in the future, and they can be listed and traded at will after obtaining the property right certificate; If it is a part of fund-raising, it is a part of property rights to be handled for employees in the future, and the other part belongs to another part of the fund-raiser (enterprise). If employees want to transfer part of the property rights of fund-raising houses, they must first obtain the legal and compliant property ownership certificate, and then obtain the permission of the * * * property right unit, and enterprises have the preemptive right.
Generally speaking, when buying a fund-raising house, we should pay attention to asking whether it is a fund-raising house with reasonable and legal property rights, and we must avoid selling it on either side because of some of its property rights. Therefore, we should be cautious when signing the purchase contract, and we must carefully examine whether the valid documents related to real estate sales by real estate developers are legal and complete; Whether the terms in the contract are consistent with the promises in the advertisement and the oral agreement of the real estate agent; And must go to the local real estate trading center for reasonable and legal transaction supervision and transfer procedures.
What conditions need to be met for handling individual housing entrusted loans? Have a real identity of permanent residence in cities and towns or other reasonable jobs. Housing provident fund is normally paid for more than one year, and the balance of housing provident fund must meet the requirements of Xiangfan Housing Provident Fund Management Center.
Buy your own ordinary house and give a purchase agreement or agreement that meets the requirements; The down payment in advance shall not be less than 30% of the total price of the house purchased, and the down payment for low-income families to purchase self-occupied houses shall not be less than 20%.
To apply for a loan, the lender needs to go to the Municipal Housing Provident Fund Management Center (hereinafter referred to as the core) to receive and submit an application for entrusted loan of Sanmenxia Housing Provident Fund. When handling the loan, the borrower shall submit the following documents:
(a) with the real identity of the local town permanent residence or reasonable work;
(2) Confirm that the lender has paid the housing provident fund, which has been paid for 2 years before handling the loan (that is, the unit has withheld the housing provident fund for 24 times) and has been paid continuously in the last 6 months;
(three) the purchase of owner-occupied housing, and has a legitimate real estate sales contract;
(4) There is a payment certificate issued by the selling enterprise that is not less than 30% of the total house price;
(5) having a fixed economic income and the ability to repay the loan principal;
(6) Being able to provide pledge, pledged loan and loan guarantee agreed by the borrower, and being allowed to go through notarization, commercial insurance, pledge and other procedures.
(seven) meet the academic qualifications stipulated by the financial enterprise preparation center.