For families of paid workers who have no housing and loan records, if they use housing provident fund loans to purchase the first set of ordinary self-occupied housing, the down payment ratio shall not be less than 30%; If the housing provident fund is used to purchase a second house, the down payment ratio shall not be less than 60%; For the purchase of third and above houses, the housing provident fund management department shall not issue provident fund personal housing loans to them.

The down payment ratio of households who purchase the first set of housing and apply for commercial personal housing loans is not less than 30%; For households with 1 apartment, in order to improve their living conditions and apply for commercial personal housing loans, the down payment ratio should be no less than 40%; Commercial personal housing loans will be suspended for households that purchase third or above houses.

What is the process of buying a house in Nantong?

1, get ready:

Before buying a house, first estimate your actual purchasing power according to the financial strength and repayment ability, and determine the location, area, price, floor and orientation of the house according to the needs of work and life.

2. Choose a house:

This link is a continuation of the preparatory work. You can inquire from newspapers, exhibitions, intermediaries with formal brands or related real estate websites to conduct housing primary elections.

3. On-site house inspection:

This is a complicated and very important process. Under the leadership of a professional broker, conduct a field trip to the house to be purchased. Check the relevant information of the house, such as real estate license, owner's ID card, etc. After comparison, decide on the house.

4. Negotiate and sign the sales contract:

After determining the target, enter the negotiation stage of substantive contact with the seller. Negotiating and signing a sales contract is the most important link in the process of buying a house. Both buyers and sellers should put their rights and obligations into words, especially the key terms such as the area of the house, payment method and property status.

5. Handling loans:

At present, second-hand houses can handle commercial loans. According to one's own financial resources and various conditions of the house purchased, comprehensively consider the amount and duration of the loan. Intermediary companies should assist in handling loan procedures in accordance with relevant bank regulations.

6. Transfer of property rights:

The name of the original seller should be changed to the name of the new buyer. Relevant materials need to be prepared under the guidance of the intermediary company, and then the warrant personnel will assist in the formalities of property right transfer.

The above is the related content of Nantong's fixed-term purchase policy in 2020 shared by Bian Xiao. More information can focus on the construction industry and share more dry goods.