1. Have a valid ID card and household registration book;

2. 30% down payment for commercial loans for the first suite with non-local household registration, and 40% down payment for commercial loans with 1 suite and outstanding loans;

3. If a non-local household registration has purchased 1 apartment in the restricted area, it is not allowed to buy a house again in the restricted area.

How to go through the formalities of buying a house?

The procedure for buying a house is as follows:

1, choose a room. Property buyers should pay attention to the scene when choosing a house, and it is very important to understand the strength and reputation of developers. Property buyers can measure the quality of the community through inspection, including the communities that developers have seen in the past, the reputation of the owners to the developers and the reputation of the developers in the industry.

2. Pay down payment and down payment;

3. Sign a house purchase contract. When paying the house price, buyers and sellers need to sign a house purchase contract, which is an important document to safeguard the rights of buyers and sellers. Therefore, when signing a house purchase contract, buyers should pay attention to whether there are blank clauses in the contract, and whether the obligations and rights of both parties are equal to the supplementary agreement in the contract;

4. apply for a real estate license. After buying a house, buyers also need to apply for a property right certificate, which is also an important part of buying a new house. Property buyers can only have the complete property right of the house if they have the property right certificate, and the handling of the property right certificate is mostly organized by the developer to the real estate management department.

Legal basis: Article 210 of the Civil Code of People's Republic of China (PRC).

The registration of real estate shall be handled by the registration agency where the real estate is located.

The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.

Article 2 15

A contract concluded between the parties on the establishment, alteration, transfer and elimination of the real right of immovable property shall come into effect upon the establishment of the contract, unless otherwise provided by law or agreed by the parties; Failure to register the real right shall not affect the validity of the contract.