If it is a new residential area, it is usually a developer or a real estate agent, provided that the bank has already lent money, and the special maintenance funds for the house must be paid to the special account opened by the real estate bureau first, and then go through the formalities of closing the house (generally in the bank with the collection authority). Secondly, you need to pay deed tax. The tax rate is determined according to the area of your house, whether it is the first set, the total price and other factors. Generally in Shaanxi, it is 3%, 1.5%, 1%. However, if you have moved into a mature community, the developer or property can handle it on your behalf, or you can handle it yourself. If you do it yourself, you have to go through a lot of procedures. However, since you are a mortgage customer, the real estate license will eventually be placed in the mortgage registration section of the real estate bureau, and you can only renew it after you repay the loan.

2. Which is more cost-effective, sales office mortgage or bank loan?

Almost. You can compare the interest rates with each other and choose the lower one. Bank procedures are relatively complicated, and some sales offices will stipulate that loans can only be made there, and banks are not allowed. Let's compare ourselves.

3. Which is more cost-effective, sales office mortgage or bank loan?

Almost. You can compare the interest rates with each other and choose the lower one. The bank building will also stipulate that loans can only be made there, and banks are not allowed. Let's compare ourselves.

4. Which is more cost-effective to buy a house with a bank loan or mortgage to buy a house?

Will you choose a one-time payment or a loan to buy a house? Insiders help you analyze the pros and cons.