First, go to the bank to mortgage the loan and pay in installments.

At present, the loan targeted by commercial banks is a house with only room, and the materials you need to prepare are: your income certificate, the sales contract between both parties, ID cards of both parties and relevant identification materials; The seller's marriage certificate, house book and relevant identification materials. Need to remind everyone in particular, be sure to pay attention to the age of the house you want to buy. The state requires high house tax and deed tax when buying and selling houses within five years. The house I bought is within five years, and I have to pay tens of thousands of taxes, but there is not much tax for houses over five years. For second-hand housing loans, almost all banks can handle them at present. If you are buying a house for the first time, you will be more cost-effective, because the country has preferential treatment for the first suite. Generally, the interest rate is 2% off, and the lowest one is 3% off, which is different for each bank. And for the first suite, the bank loan can be 3% down payment and 7% loan, which can reduce the down payment pressure.

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In addition, if you are a second suite, it will be more troublesome. First of all, the state not only has no interest rate concessions for the second suite, but also needs the bank to raise the interest rate by 1%, and the minimum down payment ratio is 4%, which will pay a lot of interest. If the house price is 1 million, it will give the bank at least 3% more interest, and the down payment will not be less than 4,.

secondly, pay the homeowner in installments.

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if you ask me if I can pay by installment with the original owner, I'll tell you no. You think, since the owner wants the seller, he must want to pay the money in one hand and pay the house in one hand. But there are exceptions. That is, you don't want to close the house immediately, and when you have paid off all the money, the other party will give you the house. I don't think you will be so stupid. You can't get the house after paying part of the money. However, there is a special case, that is, you both agreed that it is also possible, but we should pay attention to the following points:

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first of all, it is important to sign a contract and agree on the transfer time. For example, if you pay in two installments, it is agreed that he will help you transfer the ownership after the first payment is made, or he will help you transfer the ownership after how much money is paid.

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furthermore, when signing a contract, we should pay attention to whether the house is mortgaged or frozen. When signing a purchase contract, pay attention to the stipulations in the above detailed rules. It is best to put the receipt and your purchase contract in one contract. It is best to leave a note under your contract and leave a few lines blank for him to sign for. In addition, the contract must be signed by both husband and wife, and the ID number, and it is best to leave copies of both ID cards. Verify whether the two parties are themselves to prevent being cheated. It must be suitable for whether they are real couples. Some couples disagree and will find someone to pretend to be their other half. The purchase contract signed in this way is not established. Everyone must pay attention!

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Finally, if you still don't feel at ease, you can find the relevant housing agency to help you improve the process with you, which requires you to pay a certain amount of compensation. It's my first time to buy a house, and I didn't understand the process of buying a house, so I went to the housing agency. I paid 1% of the total house price as their compensation, and the payment varies from place to place.

My friends, as long as you do the above, you can guarantee that you will not lose money by buying a house in installments.