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What are the procedures for buying a house and moving an account? How many kinds of mortgage repayment methods are there?
What are the procedures for buying a house and moving an account? 1. Ask whether the neighborhood committee of the community where the house is located accepts the account.

Go to the neighborhood Committee of the community where the house is located first to get information. Can I accept household registration when buying a house? Community neighborhood committees can also consider buying a house if it is acceptable; Consult a real estate agent and prepare to buy a house in advance.

2. Buy a house and apply for the house ownership certificate.

After consulting with the real estate agent about buying a house, sign a contract, pay the purchase price, and complete the house ownership certificate as soon as possible.

3. The public security bureau of the place of immigration allows it to move in.

Bring the real estate license to the community neighborhood Committee where the house is located, and let the community neighborhood Committee confirm the house serial number and household registration book; Later, I took the certificate to the public security bureau where the house was located to show the certificate of permission to move in.

4. Make a clear application for transfer to the public security bureau where the original account is located.

Bring relevant certificates to the community neighborhood Committee where the original account is located to show the certificate of permission to move out, and then to the public security bureau where the account is located to show the certificate of permission to move out; There are illegal and disciplinary factors or community neighborhood committees are unwilling to move.

5, make-up trial number

Bring the above information to the neighborhood Committee of the community where the house is located to apply for occupancy. The community neighborhood Committee compiles the household name, and then goes to the place where the house is located to apply for moving in with all the formalities.

6. Apply to the Household Affairs Department of the Municipal Public Security Bureau for moving in with the residence certificate and proof materials (your reasons).

7. The household administration department shall review and issue the migration certificate.

8. Return to the local police station to register and move in with the "Permit to Move" and issue a permit to move.

9. Register with the local public security bureau with the migration certificate and identity document.

After the public security bureau where the house is located filed a case, it was allowed to move in, and the original data files were entered into the system software, and the household registration was successful.

In the application process, the materials commonly used in the design scheme include: the original household registration book, personal identity information, house property certificate, house purchase invoice, house purchase contract, labor contract, social security payment certificate, house purchase settlement application form, etc. The applicants involved are: community neighborhood committees and police stations where the house is located; Community neighborhood committees and police stations where the original household registration is located; Bank loans, housing management, property management enterprises, social security centers, etc.

How many kinds of mortgage repayment methods are there? 1, one-time repayment of principal and interest

This method is actually a way to repay the loan in advance. Property buyers may apply for a loan to buy a house because the cash flow in their hands was not enough at that time. When the assets in his hand are idle, he will consider the way of repaying the loan in advance. The bank's relevant regulations on this kind of repayment method are that if the loan term is less than one year (including one year), the principal and interest will be repaid in one lump sum at the expiration of the loan term, and the one-time deposit will be paid in installments.

2. Pay interest and principal on time.

The method of paying interest and repaying principal on time depends on the specific situation. If the buyer chooses to pay interest and repay the principal on time, the lender needs to convert the repayment of the loan principal and interest in different time units according to the negotiation with the bank. Repaying the principal and interest on time is mainly divided into two forms, and buyers can choose according to their own conditions:

If we want to subdivide the repayment methods of repaying principal and interest on time, the key can be divided into two types: equal principal repayment and equal principal and interest repayment. Matching principal repayment is a popular repayment method at present, and also a repayment method introduced by financial institutions. In fact, the equal principal and interest repayment method is that the lender repays the loan in equal amount every month, that is, the total amount of borrowed funds and the total amount of interest are added, and then evenly distributed to each month of the loan term. This repayment method is suitable for the group with higher income at present, but it is predicted that the income will also decrease in the future.