What is the standard for the first suite?
1, the loan has bought a suite, the commercial loan has been settled, and then the loan is used to buy the first house.
I bought a suite with a loan and later sold it. You can't find the property through the housing registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house. This is the first set.
3. Buying a suite in full and then buying a house with a loan is the first set.
4. I bought a suite in full and sold it later. The housing registration system couldn't find the property, and then I took out a loan to buy a house, which was the first set.
5. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.
6. A commercial loan in the name of an individual has been paid off, and another provident fund loan has been sold. At the same time, you can provide proof of house sale and apply for a commercial loan to buy a house, the first set.
7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status. For more interpretation of the signing cheats policy, you can pay attention to the documents of China Travel Service. Or a local real estate agent.
8. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. It is the first set to buy a house and apply for a loan after marriage.
Matters needing attention in purchasing the first suite
1. Choose a powerful developer.
If you buy the first suite, then you need to choose a house built by a powerful developer, a real estate developed by a powerful and reputable developer, or a real estate that has been successfully opened in the same area. Priority can be given to this kind of real estate, usually with high resource integration and complete facilities.
2. Pay attention to the room rate and pool area.
When buying the first suite, we also need to pay attention to the housing rate and pool area of the property, which are inseparable. It makes sense to put the housing acquisition rate and the pool area together, and the housing acquisition rate should not be too low or too high. If the floor space is too low, it will look small and feel lacking; If the occupancy rate is too high, it will bring inconvenience to the residents living in it. The higher the rate of getting a room, it means that the pool area is compressed. The pool area index is too low, and the elevator space and corridor area are not large.
3. Look at five cards
To buy the first suite, you need to check that the developer must have these five certificates to sell the house. Five certificates include: commercial housing sales (pre-sale) permit, construction permit, construction planning permit, construction land planning permit and state-owned land use permit.