Collective account refers to the residents who do not have the conditions for opening a separate account for the time being, or who have not gone through the formalities for opening a separate account for the time being, and whose household registration relationship is linked to the collective account. In fact, many people don't know much about collective accounts, so can collective accounts buy a house? The following small series introduces it in detail.

What is a collective account?

The head of the collective account is the unit, which is the location of the unit. Resident account is the best identification besides ID card. Collective accounts don't count. The collective account is valid on the basis of you or the employees of this unit. Once the contract is terminated, the household registration needs to be moved. Social security cannot be paid by individuals in collective accounts, but by individuals in resident accounts. When a child enters school, if the parents are registered as a group, then the child does not enjoy compulsory education in the region and is not considered a student.

Collective accounts are divided into three categories:

(1) After the results of the college entrance examination come out, the university that accepted you will ask you to move your account, which is the collective account of the school;

(2) After graduation, if it is a civil servant or institution, the account will be directly transferred to the employer, which is the collective account of the unit;

(3) if you work in a non-governmental unit, you should link your account to the talent service center and the collective account of the talent service center.

What are the procedures for buying a house with a collective account?

(1) Borrow the original Personal Registration Card from the company's collective account book, and return the original Personal Registration Card to the company after going through the formalities.

(2) Go to the police station where the collective account is located and make a "Household Registration Certificate" to go through the formalities. And submit some related documents:

(1) You must have a real estate license and a land certificate to buy a house.

After buying a house and getting two certificates, go to the local police station to write an application.

③ Bring two certificates, the original education, the original ID card, the original single page of the collective account for talent exchange in the province, the original and photocopy of the employment contract, the copy of the employer's business license, and the original sealed application form to the local government for review.

④ Bring the Admission Approval Notice, 3 1 inch registration photos and government affairs return materials, and go back to the police station for formalities.

Can I borrow money to buy a house with a collective account?

Buying a house with a collective account can be loaned, and the materials required for handling the loan procedures include: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee certificate of the guarantee company.

(Hualong. Com synthesis)