Auction houses have pre-sale permits for commercial housing, which is the last of the "five certificates". The first four types are state-owned land use certificate, construction land planning permit, construction project planning permit and construction permit. The "Pre-sale Permit for Commercial Housing" was the last one. As long as you have this permit, the other four must have it.
Before booking, you have the right to ask the seller to show the pre-sale permit of commercial housing, record its number, and go to the marketing department of the local housing authority (some places may be called filing department and trading department, etc.). Check whether this license number is true, especially whether this pre-sale permit belongs to the building you want to buy, and also check the status of the house you want to buy, such as: available for sale, sold, restricted purchase, mortgage, etc. If the house you want to buy has a pre-sale certificate and the state of the house is saleable, then you can buy it with peace of mind.
When buying, you must let the developer issue a formal property invoice. When signing a contract, you must sign online (there should be online signing in Shanghai, right? ), the commercial housing sales contract is a standard contract of the local housing authority, with a unique contract number. After the contract is signed, the seller can only take effect with the contract seal and legal person seal. The signed contract should be reported to the local housing management department for the record, and stamped with the housing management department for the record. So your contract is legal and valid.
If the loan is a mortgage loan, you need to provide: my ID card, household registration certificate, commercial housing sales contract, real estate invoice, marriage certificate (divorce certificate, unmarried people need to issue a single certificate at the civil affairs bureau where the household registration is located), income certificate, salary table (salary card for the last three months), if it is an individual industrial and commercial household, you need to provide business license, tax stamps for the last three months, in addition, bank deposit certificate and fixed assets certificate.
If it is a provident fund, I need my ID card, household registration certificate, state-owned land use certificate, construction land planning permit, construction permit, copy of commercial housing (pre-sale) permit, commercial housing sales contract and real estate invoice of the purchased house.
Mortgage loans should be noted that at present, the definition of the first home loan in the country is based on the family. If you or your spouse already has a house in his name, it is a second home loan. The down payment is 50%, and the interest rate is raised 1. 1 times. At present, banks do not accept three houses or three mortgages.
In addition, your bank credit also determines your loan approval. UnionPay system has a credit record. No matter which bank you have a bad loan record, credit card overdue repayment and other bad records, you will not be able to apply for mortgage loans.
I said these, when you buy a house, your property consultant will give you a detailed explanation, I hope my answer can help you.