What are the loan conditions for buying a house in rural hukou?
1, a natural person who has reached the age of 18, has full capacity for civil conduct, and has a valid residence certificate for urban permanent residence;
2 have a stable income, the ability to repay the principal and interest of the loan, good credit, and can provide effective and true income documents;
3. Have the ability to pay the down payment of 20% of the total price of the purchased house;
4. There are purchase contracts or purchase agreements that meet other provisions of the Bank;
5. The sum of the loan application period plus the existing age shall not exceed 60 years of age.
Is there a subsidy for buying a house in rural hukou?
According to the national regulations, rural hukou will get a certain subsidy for buying a house in the city, but the local policies are different, generally at 100 yuan -500 yuan/square meter; When buying a house, there will be a deed tax payment subsidy. In some areas, there will be 50% subsidies, and in some areas, there will be direct full subsidies. If you buy a house in a city and voluntarily return the rural homestead to the village collective, you can subsidize about 20 thousand yuan.
What are the precautions for buying a house in rural hukou?
1. If rural hukou has provident fund and you want to borrow money to buy a house, you should first consider using provident fund loans to buy a house, because provident fund loans are more favorable than commercial loans and there is no pressure.
2. Rural households go to cities to purchase loans, and the loan amount should be within their own ability, and the loan amount should not exceed 50% of the total house price; Moreover, before applying for mortgage loans, we must first assess our economic affordability and try to avoid impulsive consumption; At the same time, we must determine the loan term according to our own situation.
Bian Xiao concluded: The above is about the conditions of buying a house in rural hukou and whether there is subsidy for buying a house in rural hukou. I hope it will help everyone. If you want to know more, you can pay attention to Qijia. com。