The no-house certificate is the main material to prove that the house purchased is the first home. The first home can enjoy some discounts. The no-house certificate can be divided into a no-house certificate for tax reduction and a no-house certificate for loan. There is a reduction or exemption policy for the deed tax on the first home. If you meet the conditions, you can pay a lot less on the deed tax. If the home buyer purchases a house with a loan, he or she also needs to provide proof of home ownership to the relevant bank. In this case, he or she can enjoy certain loan discounts for the first home.

What should you pay attention to when buying your first home?

1. Prepare funds for buying a house

Buying a house requires a large amount of funds, even if it is a loan to buy a house, buying a house Home buyers also need to prepare sufficient funds for home purchase. Home buyers should have a full understanding of their own financial situation and family expenses, and act within their capabilities. In addition to the house payment that must be paid, deed taxes, house maintenance funds, decoration costs, property fees, etc. all need to be reserved.

2. Understand real estate policies and legal knowledge

Different cities have different requirements for the real estate market. Whether buying a house with a loan or buying a house in full, buyers should before buying a house Understand the city’s purchase restriction policy and loan interest rates. At the same time, it is also necessary for home buyers to learn some basic legal knowledge, so as to avoid falling into the trap carefully designed by developers as much as possible.

3. Treat the "gift area" rationally

For first-time home buyers, it is easy to be attracted by the developers' various discounts when looking at houses. For example, "gift area". As everyone knows, "gifting area" is just a sales method used by developers, and many of them cannot be honored when the house is actually delivered. Even if it is cashed out, the so-called "gift area" is actually giving away illegal areas to home buyers by changing patios, sealing balconies, adding partitions, etc. These "gift areas" are illegal buildings and may be restricted by the housing security department at any time. There are risks such as transaction or being directly demolished by the urban management department.

4. Choose the loan method

Before applying for a home loan, home buyers should first understand the different loan methods and repayment methods. Currently, choosing a loan to buy a house has become a popular method. consumption patterns. Choosing the loan method, loan amount and time, and repayment method can reduce the loan cost. This requires everyone to make careful calculations and make reasonable arrangements according to their own different economic conditions.