2. If you are a married couple and have a legal temporary residence permit in Wuxi, you need to prove whether you have a loan record before if you want to buy a house in Wuxi. If you have a loan record in other places, you need to pay more than 6% down payment for the house you buy in Wuxi. If you have a collective account, you need to find a unit to receive your own account and issue a sealed acceptance certificate.
the process of buying a house in Wuxi
1. Looking at the house: You can sign up for a house purchasing group and go to the construction site first. The sand table is not credible. Mainly depends on the building spacing, location, surrounding traffic, environment and living facilities. There is also a need to see if the property is capped. If not, the loan will not be possible.
2. Price: Check the website first, and the price on it is just a reference, because the price on the website is actually very low, and many of them have not been updated for a long time. The target price is either average or low. The total price is basically a fool.
3. House selection: Look at the floor plan first. A good apartment should be square, transparent and breathable, with dry and wet separation and dynamic and static separation; The living room and kitchen should be bigger, but the balcony should not be too big or too much. The front door can't face the toilet or bedroom. Don't choose the ground floor, top floor and side building.
4. Deposit: After choosing a house, we will sign the subscription agreement. Note: Don't sign it easily! Because once signed, if you don't buy it, the deposit is non-refundable.
5. down payment: generally, the down payment will be paid within 8 days after the signing of the subscription agreement, and liquidated damages will be charged after the deadline. At present, the down payment for the first suite in Nanjing is 3% lower, but much more. In this way, the interest is less, the monthly payment is less, and the loan is faster. Take good care of the house purchase, if you lose it, you will have to make up for it. In the future, you will need to apply for a real estate license.
6. Sign the contract: Most contracts are fixed now, so just sign them with your eyes closed.
7. Loan: The loan bank shall be the bank designated by the developer, so as to avoid the developer's urging when the loan fails in the future. Try to use provident fund loans, and then make up the shortfall with commercial loans.
8. Repayment: After the next payment, the bank will inform you to get the loan materials, the original contract and sign the repayment agreement. After all this is done, you will officially join the house slaves.