What are you writing today? By the way, let's buy a house together and answer the question ~
Because my friends often ask all kinds of questions about buying a house, and most of them will encounter these questions, then I will organize them into a compilation of questions and answers about buying a house, and my friends can enjoy them by themselves.
Q:
Only one spouse is eligible to buy a house. If you only need to be qualified to buy a house, then another unqualified one can be added as * * * Hello? In case of divorce, can the unqualified party get half?
A:
1. At present, the qualification for buying a house in Chengdu is family. Only one spouse is eligible to buy a house in Tianfu New District. If you use general qualifications, you can add someone when you register. The two signed a house purchase contract (consistent with the information at the time of registration), and they got the real estate license.
2. One spouse just needs education, and the other spouse doesn't need education or is unqualified. Ordinary qualifications can buy houses in general. Or you just need to be qualified to buy a house alone, and the contract and real estate license are all the names of one person.
What conditions do you need to meet when you just need a family to participate in the priority housing selection? 1. Residents' families include husband and wife, husband and wife and their minor children, divorced (widowed) parents and their minor children, and unmarried, divorced, widowed and other single people who have reached the legal age of marriage. If the husband and wife are divorced, they should have been divorced for two years at the time of purchase registration; 2. Registered buyers and their family members have no self-owned houses within the administrative area of this Municipality, and there is no record of housing transfer since 20 16 10 1; Third, if the purchased commodity housing is located in the housing purchase restriction area of our city, the registered purchaser must comply with the housing purchase restriction policy of our city; If the purchased commodity housing is located in the non-restricted housing area of our city, the registered purchaser must be a registered resident of our city. Only by meeting three conditions at the same time can we meet the requirements of the policy.
As an unmarried person, I am actually answering the question of property division after divorce.
Q:
My girlfriend's household registration is in Jianyang, and I don't meet the conditions for buying a house. I wanted to buy a house in Xindu District in her name, but I didn't get a certificate. Can I write two people's names on the real estate license? If so, is this just needed?
A:
1. First, suppose your girlfriend doesn't have a residence in Chengdu. Your girlfriend's household registration is in Jianyang In 1 1 District or Tianfu New District, if you have no social security for more than two years, you can only buy a new house on the third floor, but not Xindu District.
If you don't get the license, your girlfriend can't write your name when she buys a house alone. Whether she just needs it depends on the real estate situation in Chengdu under her name and whether there is any real estate transaction record in Chengdu after 20 16 10 1.
Q:
Excuse me, I have a room in Longquanyi District and the loan has been paid off. What is the down payment ratio of provident fund loans, portfolio loans and commercial loans when buying a house in Tianfu New District?
A:
There is a house in Chengdu, the loan has been paid off, and there are no outstanding mortgages in other areas. When buying a house in Tianfu New District, the down payment of pure provident fund loan is 40%, the down payment of portfolio loan is 40%, and the down payment of pure commercial loan is 30%.
It's too difficult for me. Now there is not even a down payment for a suite. People began to consider the second suite.
Q:
I applied for some online loans for personal reasons. Will buying a house now affect the loan?
A:
1. The bank will check your repayment ability and get your credit history. You can check the details of your credit record in official website, Credit Information Center of China People's Bank, and the result will be available within 24 hours after application.
2. If your credit record has not defaulted for many times (three consecutive times in the last two years, a total of * * * six times), you may be required to increase the down payment ratio and floating loan interest rate.
I have a suite in other provinces, but I haven't repaid the pure provident fund loan, and I have no room in Chengdu. If you buy a house in Chengdu, what is the down payment ratio? What is the down payment ratio of pure commercial loans without provident fund? If I pay off the provident fund loans from other provinces and then buy a house in Chengdu, what is the down payment ratio of mixed loans and pure commercial loans?
A:
1. The provident fund loan (subject to the inquiry made by the Credit Information Center of the People's Bank of China in official website) has not been settled, so the provident fund loan or portfolio loan can no longer be used.
2. There is a set of housing loan (subject to the inquiry of the Credit Information Center of the People's Bank of China in official website) that has not been settled. There is no house in Chengdu. The house was bought in Chengdu and belongs to the second suite. It is a pure commercial loan, with 70% down payment in Tianfu New District and Gaoxin South District, 60% down payment in five cities and two laps, and 50% down payment in three laps.
3. Pay off the mortgage from other provinces and buy a house in Chengdu, which belongs to the first suite with a down payment of 30%.
Q:
Is there any change in the present gift policy? Can parents who are not qualified to buy a house get a property right certificate in April 2020? Can the donated house be sold? What taxes are there? If a given house has no business tax for five years, when will it be levied? Does it mean only in Sichuan Province?
A:
1. Gift requires the sale of the title certificate, which is unsecured, unsecured and unlimited. In April 2020, the title certificate can be given to parents. Housing acquired by immediate family members through inheritance, bequest, gift and other non-transaction means does not belong to the scope of housing purchase restriction.
2. If the donated property is the only residence in Sichuan Province that is less than 5 years old, 20% tax will be levied when it is sold, and the approved tax base will be determined by the tax bureau.
3. Five years from the date of obtaining the real estate license. The only one is the only residence in Sichuan Province.
Related Q&A: Related Q&A: I borrowed online loans before and paid back a lot. Does it matter if you buy a house and apply for a mortgage this month? Thank you for your recommendation. I am a migrant worker in the bank. In view of the impact of online loans on mortgage loans, you can refer to our approval rules. In fact, the situation is similar.
First, there are many online loans and overdue loans, or the payment level is M4+. Approval Result: Rejected
Generally speaking, in both cases, the personal loan manager of the bank will directly reject and return the materials after the preliminary examination, because it touches the strong approval rule. Even if a loan manager is lucky enough to help you, he will directly refuse it at the approver's end. Even if you have paid it all off now, the possibility of getting it back is very low.
Reason: The bank will think that you are a person who is short of money and your performance is not good.
Second, there are many online loans, and there have been sporadic short-term overdue, which have just been settled in advance. Approval result: Reject or raise down payment and interest rate.
Banks have a fault tolerance rate for sporadic overdue. After all, everyone forgets sometimes. Generally speaking, if it is not overdue for three consecutive times and accumulated for six times in two years, it can pass the preliminary examination of the personal loan manager. However, the scale of the approver will be stricter and the overdue amount will be comprehensively considered. Even if it has been fully settled now, the result may be to refuse or at least raise the down payment and loan interest rate.
Reason: Banks have doubts about the performance ability of such customers, and can only reduce the risk by reducing the loan amount and raising the interest rate.
Third, there are many online loans, which have never been overdue and have all been settled. Approval result: down payment and interest rate pass or increase.
Although banks don't like customers who have online loans, with the rapid popularization of online loans, banks have to try to accept them. Although the customer has handled a lot of online loans, they have a good record and have all been settled, and will not touch any approval rules of the bank, so the loan is very likely to pass.
However, the approver will consider the customer's future risk points on the final settlement date. If the loan is fully settled for more than half a year, it will generally be approved according to the normal process. If they have just been settled, they will consider doing so with a mortgage. After the mortgage is approved, they will continue to apply for online loans. Therefore, it is necessary to raise the down payment or interest rate to pass the loan.
Reason: The longer the settlement date is from the mortgage application date, the more it can prove that the customer no longer needs to work through the online loan, or has already withdrawn from the online loan.
Here, by the way, I suggest that friends who want to buy a house in the near future should not overdue the online loan, and it is best to settle it quickly. The interest on online loans is actually quite high, because it is mainly in installments, and the monthly repayment is relatively high, and the factors included in the asset-liability ratio are also great, which has a great impact on mortgage loans!
If the down payment is increased by 10%, it will be hundreds of thousands. If BP increases 10, the 30-year interest will be tens of thousands more. I think everyone will calculate this account.