Those who are not registered in Shanghai and move into the collective account of the school, are married, have no room in Shanghai, and study for a doctorate in Shanghai. They can issue a household registration certificate to the police station where the school is located and a doctoral certificate to the school, and can buy 1 apartment in Shanghai. If you meet the above requirements, you can buy one in Shanghai.

What should I pay attention to when buying a house in Shanghai?

1, the term of property rights has shrunk; Due to the different nature of land, the service life of land is also different. For example, 70 years for residential land, 50 years for industrial land and comprehensive land, and 40 years for commercial land.

2. Special housing; As the financial problem has always been the primary consideration of many property buyers, some developers often launch some "special/low-priced houses" on holidays to attract property buyers with ultra-low discounts.

3. Internal subscription; Some developers will sell a number of houses at a lower discount under the banner of "internal subscription" before real estate sales. One is to create momentum, and the other is to find out the market and prepare for formal sales.

4. disguised price increase; It is normal for house prices to fluctuate slightly with market changes, but some developers will "increase prices in disguise" in various names such as bundling garage sales and overcharge decoration fees.

What is the detailed process of buying a house with a loan?

1. Inquire about the qualification of buying a house.

Now the real estate transaction is more and more standardized, and the real estate policy has a great influence on the real estate transaction. Buying a house is not something you can buy with money. First of all, you have to meet the local purchasing qualifications. Especially friends who want to buy a house in these big cities should pay attention. Many first-tier cities have limited purchase policies. Generally speaking, buyers with local accounts can buy the first suite locally, while those with foreign accounts need to meet certain requirements of paying taxes or social security.

2. Make a good purchase budget.

Property buyers can start planning to buy a house after they are sure that they are qualified to buy a house locally. The first thing buyers have to do is to buy a house budget. If buyers choose to buy a house by loan, they need to prepare a down payment and a down payment. Before calculating the down payment and down payment, everyone should have thought about what kind of house to buy and know the down payment needed for buying a house with a loan.

3. Look at the house and choose a house.

After making the purchase budget, buyers can go to their favorite properties to see the house and choose the house. When choosing a house, they should pay attention to the combination of factors such as floor, orientation and apartment type. Each property has different requirements when the other party sells the house. Property buyers should pay attention to and sales staff to understand whether the property supports mortgage to buy a house Bank. In addition, it should be further confirmed whether the real estate developed and built by the developer has bank support to ensure the smooth access to mortgage loans.

4. Pay the house purchase deposit.

If the buyer has chosen the house and confirmed that all other contents of the house are correct, he can pay the deposit. The deposit is legally binding. If the buyer defaults, the deposit can't be recovered. If the developer defaults, it is necessary to double the deposit, but the purchase deposit is not necessary, and the buyers can choose not to pay it.

5. Sign a house purchase contract.

General property buyers pay a down payment, and a few days later they can pay a down payment and sign a purchase contract. I believe everyone knows the importance of the purchase contract. The contents of the purchase contract generally include the area, unit price, total price, building, floor, unit and number of households of the house. Buyers of these contents must read them carefully. If the property buyers have other questions when signing the purchase contract, they can also negotiate with the developers about the relevant precautions and supplementary terms.

6. Go through the loan procedures.

After the house purchase contract is signed, you go to the bank to go through the loan formalities. There are generally three kinds of housing loans: provident fund loans, portfolio loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. Property buyers should choose their own loan methods and repayment methods according to their own conditions.

7. Wait for the house.

After the purchase formalities are completed, it is time to hand over the house. Now most of the new houses are relatively fast, and they need to wait until the house is built before they can be picked up. When handing over the house, the buyers have to go through the house acceptance step. Property buyers can ask a special home inspector to inspect the house from top to bottom and from inside to outside in accordance with relevant industry standards, which is more reassuring.