Basic knowledge of real estate:
1. What is real estate?
It is the socio-economic form of houses and land, and is the general term for land as a kind of property. Also known as "real estate".
2. What is the real estate market and its classification?
Including the real estate market and the real estate market. Primary market Land market
Secondary market Incremental market
Tertiary market Existing market
3. What are the basic concepts of real estate?
Commercial housing: Commercial housing refers to residential buildings developed and operated by real estate development enterprises (including foreign capital) with business qualifications. Includes both residential and non-residential categories. The ownership of commercial housing includes four parts: the right to use the house, ownership, disposal rights, and income rights.
Housing reform housing: It has a certain welfare nature. Each property rights unit sells housing to its employees according to the housing reform price announced by the government every year. The sources of such houses are generally commercial houses purchased by units, self-built houses, and houses built with funds raised, etc. Which homes are allowed to purchase houses with certificates?
(1) Families where both spouses are government workers, teachers, or employees of state-owned or collective enterprises;
(2) The construction of key projects approved by the municipal government involves households of demolished residents The renovation project of dilapidated houses organized by the government involves demolished households.
Are affordable housing the same as commercial housing?
(1) The sales of affordable housing are not low-priced commercial housing sold to the public.
(2) The procedures for buying, selling, transferring, and leasing affordable housing are also different from those of commercial housing. A special "Employment Certificate for Affordable Housing" is implemented, and specific measures are being formulated.
The only difference is that when the affordable housing is sold, the buyer must pay a land transfer fee of 10% of the marked land price where the affordable housing is located.
3. Housing for affordable housing: refers to the housing built during the implementation of the national “Housing Project” (belonging to the category of affordable housing). It is a non-profit housing built with loans arranged by the party and the state and built with local self-raised funds, targeting the majority of low- and middle-income families, especially the extremely poor households with a sales price of less than 4 square meters, and is subsidized by the government.
4. Fund-raising housing: Fund-raising housing changes the system in which housing construction is taken over by the state and units. The government, units, and individuals are jointly responsible. By raising funds, the government and relevant departments use land, Partial reductions and exemptions will be provided in terms of credit, building material supply, taxes and fees. The ownership of housing built by raising funds shall be determined according to the proportion of capital contribution. If an individual contributes the full amount of the house price, he/she will have full property rights; if an individual contributes part of the capital, he/she will have partial property rights.
5. Multi-storey residential buildings: refers to buildings with four to six houses called multi-storey residential buildings.
6. Small high-rise residential buildings: refers to buildings with seven to ten floors called small high-rise residential buildings.
7. High-rise residential buildings: refers to buildings with more than ten floors, which are called high-rise residential buildings.
8. Clubhouse: a comprehensive recreational, sports and entertainment service facility that mainly serves the owners of the property where it is located.
9. Jump-floor: Jump-floor is a novel residential building form that has been promoted in recent years. It is a house that occupies the upper and lower floors. The upper and lower floors do not use public stairs but use household stairs. A unique internal staircase connects the upper and lower floors; generally, the living room, kitchen, dining room, and bathroom are arranged on the first floor, preferably with a bedroom, and the design space for the bedroom, study room, and bathroom is arranged on the second floor. The advantage of a split-level house is that each household has two floors or two floors combined into one for lighting. Even if the orientation is not good, it can be compensated by light. It has good ventilation, indoor living area and auxiliary area, compact layout, and clear functions. Little mutual interference.
10. Duplex: The duplex is an economical residence inspired by the split-level residence. In terms of construction, each household still occupies two floors. In fact, a 1.2-meter mezzanine is added to the higher floor. The height of the two floors is much lower than that of a loft house (duplex is 3.3 meters, The general loft is 5.6). The upper floor is used for rest and storage. Its purpose is to save the use area in the limited space and improve the utilization rate of the residence.
11. Staggered floors: The indoor floor heights are inconsistent, and the staggered areas are connected by stairs, but they are not completely divided into two floors. (It is suitable for large-area residences, and small apartments will appear cramped.
IV. Concepts related to planning
1. Floor height: the height of a floor. For a building, it refers to the distance from the floor surface of the lower floor to the floor surface. The floor height minus the floor layer The thickness is the clear height of the room.
2. House type: The number and size of each household’s bedrooms are determined based on the family population composition and the living area quota stipulated by the state.
3. Household ratio: The proportion of various house types in the total number of households is called "household ratio"
4. Building coefficient: "Building area coefficient" abbreviation. It refers to the ratio of the floor area of ??all buildings within a certain construction land area to the total land area, measured as a percentage. It is used to explain the density of building distribution, sanitary conditions and land utilization. A reasonable building coefficient should be based on the principle of saving land, try to meet the ventilation, lighting, fire protection, explosion-proof and other aspects of the building requirements, and ensure sufficient roads, greening and outdoor activity venues.
5. Concepts related to property rights
1. House property rights: generally refers to the owner’s possession, use, income and disposal of property, and the right to exclude the interference of others. It is a property A kind of right. House property rights refer to the rights enjoyed by property owners in accordance with national laws.
2. House ownership registration: refers to the real estate administrative department, on behalf of the government, registering house ownership and other rights in the house such as mortgage rights and mortgage rights arising from the above rights, and confirming the ownership of the house property rights in accordance with the law. behavior. The registration of house property rights should follow the principle that the ownership of the house is consistent with the owner of the land use rights within the area occupied by the house.
3. Real estate rights registration: House ownership registration, usually called "property rights registration" (including house ownership registration and legal procedures for confirming house ownership by the Housing Law. Houses within the prescribed registration range no matter who owns them , must apply for ownership registration to the housing management authority where the house is located in accordance with the provisions of the ownership registration method. After the property rights are reviewed and confirmed, the housing management authority will issue a house ownership certificate. House ownership registration is the main administrative means of house property rights management. The only way to do this is through house ownership. Only through registration can effective management of various types of house property rights be implemented.
4. The first owner has property rights: refers to a real estate that has two or more rights subjects, that is, the first owner, and the second owner. A person has rights and interests in shares and assumes corresponding obligations; the latter means that two or more rights holders have equal rights and bear equal obligations for all the real estate owned by them.
5 . House mortgage: The property owner uses the house deed as a mortgage to obtain a loan and pay interest on schedule. The property owner still manages the property by himself. The creditor can only collect interest on schedule but does not have the right to use and manage the house. The property rights will be repaid after the loan is paid off. When the person takes back the property deed, the mortgage will be terminated.
6. Transfer of ownership: that is, changing the name of the property owner.
6. Basic knowledge of house structure
1. Brick-timber structure: a building that uses brick walls, wooden columns (brick columns) and wooden roof trusses as the main load-bearing structure
2. Brick-concrete structure: brick walls are used for vertical load-bearing structures, and steel bars are used for horizontal load-bearing components , buildings with concrete floors as the main load-bearing structure
3. Reinforced concrete structure: a building where all the main load-bearing structural components of the house are made of reinforced concrete
7. Related to the area. The concept of
1. Building area: the total area of ??all floors of the building. The building area of ??each floor is calculated based on the cross-section above the corner of the building, including use, auxiliary area and structural area.
Sales area of ??commercial housing = building area within the suite + shared common area
Building area within the suite = usable area within the suite + wall area within the suite + building area of ??the balcony
2. Public area. Stall area: 1. The building area of ??public rooms and management rooms such as public halls, corridors, elevator shafts, stairwells, garbage lanes, transformer rooms, and equipment rooms that serve the entire building.
2. The separation between the unit and the building space and 50% of the horizontal projection area of ??the exterior wall
3. Usable area: the direct area on each floor of the building area The total net area used for production and living. The used area is greater than or equal to the carpet area.
8. Related concepts of real estate development and pre-sale.
Five Certificates and Two Books
1. "State-owned Land Use Certificate": It proves that the land user paid the state a transfer fee for the use rights and obtained a certain piece of state-owned land within a certain period of time. Legal evidence of land use rights.
"Construction Land Planning Permit": It is a legal certificate for the construction unit to confirm that the location and scope of the construction project are in compliance with urban planning by the urban planning administrative department before applying to the land management department for requisition and land allocation.
"Construction Planning Permit": It is the legal certificate that the construction project meets the requirements of urban planning.
2.
3. House pre-sale: The house is sold in advance before it is completed. Generally, part of the money is collected as a deposit. This form is helpful for real estate development companies to speed up capital turnover. When the supply of houses exceeds demand, houses are often sold in this form.
Deed tax: refers to a one-time tax levied on the property owner based on a certain proportion of the house price based on the contract signed by the parties when the property ownership is transferred. It is a special tax for changes in real estate ownership, and it is also the largest tax borne by home buyers during the home purchase process.
First-hand property transaction process
1. House viewing
2. Negotiation
3. Pay deposit
4. Sign the contract
5. Pay the full payment and get three copies for rejection
6. Pay the entry fee
7. Enter the house
8. Replace with a regular invoice "Special Invoice for Commercial Housing Sales in Heilongjiang Province"
9. Materials required for property rights application: 1. Invoice
2. Contract
3. Buyer Original and copy of ID card
4 name stamps
5 Commercial house sales
10. Certificate
Second-hand house transaction guide
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1. Instructions for transfer of land certificate
Original homeowner’s property rights certificate (two copies), copy of the original homeowner’s ID card
Copy of the current homeowner’s ID card
Sale and purchase agreement, original copy
2. How to value a second-hand house?
1. The annual depreciation fee for the house is 2% per year.
2. House type factor: the house type is the "three small" types of small hall, small bathroom and small kitchen, a deduction of 10 %:
The prices of different floors of the house are different: the 2nd and 6th floors are the base price, the 5th to 6th floors will deduct 3%, the 7th floor will deduct 5%, and the 3rd to 4th floors will add 3 %, and 5% is deducted for the roof;
3. Orientation factor: If the house does not have south-facing doors and windows, 5% is deducted:
4. Community environment: There is no property management, deducted 5%, if the community is not individually closed, 5% less, and 15% more for houses in key primary and secondary school areas.
The base price is the retail price of local commercial housing.
3. What kind of second-hand houses can be traded?
Privately owned house, and *** someone agrees to sell it: house reform house, the original selling unit is allowed to be transferred, there is no record of mortgage, seizure and other rights issues, and there is no private construction.
4. What documents do house sellers need to provide?
Property Certificate
Homeowner’s ID Card
If you have a *** certificate, you must provide proof that someone agrees to sell;
Hukou
Land use right certificate
1. Deposit: Deposit is a guarantee for the performance of a contract. It refers to a certain amount of currency agreed by the parties to be paid by one party to the other party as a guarantee for the creditor's rights. , it is a legal guarantee method, its purpose is to urge the debtor to fulfill the debt and ensure that the creditor can realize it
2. Deposit: usually when the home buyer and the developer initially reach an agreement on the purchase and sale of the house. After the agreement is reached, a temporary subscription agreement is prepared for further negotiation. The usual method is to agree on a period of time after agreeing on the house number, area, unit price and total price. The buyer must sign a formal contract with the seller within this period
6. What kind of property cannot be transferred?
1. According to urban planning, the municipal government decides to take back the land use rights
2. Judicial agencies and administrative agencies make legal rulings, decide to seal up or restrict real estate rights in other ways
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3. *** has real estate without the written consent of other ***
4. Real estate with mortgage rights without the consent of the mortgagor
< p>5. Disputed ownership6. Other situations stipulated by laws, regulations or municipal government
7. How to tell the authenticity of the property ownership certificate?
In second-hand housing transactions, the role of real estate certificates is also becoming more and more important. In the daily process of second-hand housing transactions and real estate leasing in our city, "false certificates and fraud" have also occurred. The real estate professionals in this city will introduce to you how to identify the authenticity of the house ownership certificate so that the scammers will not be able to Take advantage of the opportunity
1. Cover: The material is imported plastic-coated paper. The upper part of the cover has the national emblem of the People's Republic of China and the People's Republic of China. The first line of the lower part is "The People's Republic of China". It is printed in round font, and the second line of words "House Ownership Certificate" is printed in bold font, all in gold.
2. Housing construction registration number: The Ministry of Construction registers and numbers each municipal and county-level licensing authority that can issue certificates. The unified housing construction registration number in Harbin is 23001
3. Tuanhua: On the inside page of the cover, there is a five-petal superimposed tuanhua pattern composed of red and green fine lines, with smooth lines and clear texture
4. Watermark: in Song Dynasty " "House Ownership Certificate" shading and dark seal
5. Seal of the issuing authority: The legal issuing authority is the Harbin Real Estate Administration Bureau. The seal of the issuing authority stamped on the real estate certificate is machine overprinted. The imprint is clear, clean, and the printing color is uniform
6. Paper: light pink banknote printing paper
7. Lace: On the homepage, there is a brown pattern border with equal width and symmetry from top to bottom, left and right, The pattern is clear and delicate
8. The filling and issuing unit: In the lower right corner of the second page is the filling and issuing unit (seal): for example, "Harbin Real Estate Property Rights Clinical Office Certificate Issuing Special Seal" is the house property rights The seal of the district or county housing and land administration bureau.
9. Number: In the lower right corner of the "Notes" on the back cover, the warrant number of the same issuing authority is a consecutive 8-digit number. The above characteristics are common to new house ownership certificates, while fake ones generally have rough paper, different patterns and lines, unclear printing, and badges are mostly privately engraved, of different sizes, with skewed fonts, etc., as long as With a little attention, it is easy to distinguish. If you have any doubts about the "House Title Certificate" in the hands of the transaction party, you can go to the Housing and Land Management Bureau in the area where the property is located for verification and identification. No matter how good the fake property certificate is, it will be exposed.
8. Settlement Guide:
1. Non-public employees who purchase commercial housing of more than 150,000 yuan in Kazakhstan, second-hand commercial housing, or purchase commercial housing with loans must pay more than 150,000 yuan in one go. , debt repayment, the court ruled that commercial housing valued at more than 150,000 yuan by the real estate department can be settled by the buyer, his spouse, and minor children (bring your application, property rights certificate, special invoice for commercial housing sales, tax payment certificate, household registration , ID card, marriage certificate, and police station certificate of origin go directly to the Municipal Public Security Bureau to apply for settlement).
1. Purchase of 2 commercial residences for a total of more than 200,000 yuan
2. Purchase of commercial properties for more than 300,000 yuan
9. Analysis of second-hand housing prices
1. Location directly affects housing prices
Good locations account for an absolute share of housing prices
Standards for real estate locations: better locations are in city centers and have convenient transportation , developed business, complete supporting equipment, modern property management, leisure venues, and good teaching quality in the affiliated primary schools. The price of second-hand houses with these conditions is not much different from that of new commercial houses in the area, and they have great potential to maintain and increase their value. Therefore, the price adjustment coefficient of second-hand houses and commercial houses is 0-2%
2. The price of new houses is reduced by 10% every five years
According to the regulations, the useful life of residential houses is 20 years , refer to the life depreciation method in "Real Estate Valuation Theory": depreciation of real estate is generally based on 5-6 years as a new value (reduced to the last remaining 10 years as the residual value). That is to say, a property built 5-6 years ago is calculated as 90% new, and the corresponding property price must be reduced by 10%. It should also be combined with the on-site pricing method: observe whether there are cracks in the main body of the property, whether the walls have fallen off in large areas, and whether the doors and windows have fallen off. Determine whether there are any changes, etc. The two are combined to determine what is new.
3. Pattern:
1. The three small apartments (small living room, small bathroom, small kitchen) have too many load-bearing walls. When determining the price, the price should be reduced by 5% compared to the newly built commercial housing. 10%
2. Most of the properties after 1998 are large halls, chefs, Davids, small bedrooms, modern residences
4. The floor price difference is the same as that of commercial housing
1. According to market pricing standards, the 2.6 floor is the benchmark floor, which is the standard price of real estate.
2. The 3.5 floor is better than the benchmark floor, and is increased by 15% on the basis of the standard price.
The 4th layer is increased by 20%
The 7th layer is decreased by 15%
1.8 is decreased by 25%
Note: (1) At the same time, the 1.8 layer should be considered as The topmost layer of the bottom floor may have water seepage or rain leakage, and it is too hot in summer and cold in winter. It should be reduced by 5-8% on the basis of the original 20% reduction.
5. For different groups of people buying houses, the housing prices should be lowered. Survey
For young people, the price difference between high-rise and low-rise buildings is not big. Climbing upstairs is not a problem for them. Instead, they think the air is good, the view is wide, and they are safe.
For older people, they are more willing to choose floors 2-5. Therefore, house prices can be adjusted at any time according to different buyers, with a price increase or decrease rate of 2-3%.
6. Increase the psychological price by 10%.
Sellers often set prices when setting prices. Raise housing prices as room for bargaining
7. Special needs affect prices:
When pricing people's properties differently, you must carefully consider whether they have special needs
The seller is eager to cash out the property: job transfer, going abroad. Buying property elsewhere, starting a business, etc. The house price is 5-15% lower than the normal price
Buyers are eager to buy a house: for girls to go to school, register, get married, low-rise buildings, etc., they can increase by 5%
Formula: real estate price = Unit price of commercial housing in the same area × (1± location coefficient) × (1 ± newness coefficient) × (1 ± layout adjustment coefficient) × (1 ± floor) × (1 ± psychological) × (1 ± special requirements)
10. Seven types of invalid house sales contracts
1. House sales contracts signed by persons without capacity for civil conduct. According to the provisions of my country's "General Principles of Civil Law", a person who has no capacity for civil conduct shall have his or her legal agent to perform civil acts. Therefore, the contract for the purchase and sale of a house without incident shall be signed by his or her legal agent. They cannot sign the contract independently, otherwise, it will be an invalid contract. .
2. Restrictions on property sales contracts signed without the consent of the legal agent. Those with limited capacity to engage in civil activities commensurate with their age, intelligence, and mental status must have their legal agent sign a contract on their behalf or obtain the consent of their legal agent when buying or selling houses. Without the consent of the legal representative, a house sales contract signed by a person with limited capacity will be invalid.
3. House sales contract signed with fraud. This refers to a house sales contract signed by one party through deceptive means such as fabricating facts or concealing the truth, causing the other party to have a misunderstanding.
4. A house sales contract signed with coercion. It refers to a house sales contract signed by one party in order to threaten the other party with property, physical or mental damage and force him to have terror.
An economic contract signed by taking advantage of someone's danger refers to a house sales contract signed by one party who takes advantage of the other party's distress or the other party's urgent needs to force the other party to accept obviously unfavorable conditions.
5. A house sales contract signed by both parties in malicious collusion to harm the interests of the country, the collective or others. It refers to a house sales contract signed by both parties in deliberate collusion to harm the interests of the state, the collective or a third party.
6. If the parties do not sign a written house sales contract and there is no evidence for verification, the house sales contract will also be deemed invalid.
11. Similarities and Differences of the Three Property Rights of Houses
The types of houses currently sold on the market mainly include commercial housing, affordable housing, fund-raising housing, housing reform, and dilapidated housing renovation and relocation. Room etc.
1. Division of property rights: 1. From the perspective of house property rights, the property rights are mainly divided into: the property rights of houses purchased according to the nature of commercial housing belong to commercial property rights; the property rights of houses purchased according to the nature of economical and affordable housing are economically applicable Housing property rights; 2: There are two types of property rights for houses purchased through fund-raising for housing construction: one is the property rights of economically affordable housing, and the other is the property rights of the cost of housing reform; 3. Houses purchased in accordance with the housing reform policy generally have three property rights There are three forms: cost price, standard price and standard price discount; the property rights of purchased relocation houses are affordable housing rights.
There are inconsistencies between different property rights
Among these property rights of different natures, except for standard price property rights and standard price preferential property rights which are partial property rights, other property rights are essentially There is no difference between them, they are all houses with complete property rights. The property owner has the same right to use, possess and dispose of the house.
Houses with different property rights are sold to different objects
Due to the different nature of the property rights of houses, their sales objects are determined to be different. Since the price of houses with commercial real estate rights is determined by market supply and demand prices, there are no restrictions on the sales objects, and anyone can buy them.
The affordable housing is different. Since the government aims to solve the housing problem of low- and middle-income families, affordable housing enjoys preferential policies such as exemption from land transfer fees and related tax exemptions. Therefore, in terms of sales targets , with certain restrictions. Firstly, urban employees in this city, secondly, the annual household income is less than 60,000 yuan, and the third condition must be employees who do not have a house or whose housing does not meet the standard. Affordable housing can only be purchased if these three conditions are met.
Since the purpose of raising funds to build houses is to solve the housing difficulties of employees themselves, the land for houses built voluntarily under the organization of the government or units and not for profit is exempt from paying land transfer fees. Therefore, the sales target is limited to middle- and low-income urban residents within the administrative region of this city.
The housing reform housing has a certain welfare nature. Each property rights unit sells the housing to its employees according to the housing reform price announced by the government every year. The sources of such houses are generally commercial houses purchased by units, self-built houses, and houses built with funds raised, etc.
The renovation of dilapidated old buildings is organized and implemented by the government. According to the socio-economic development status of the region, as well as the degree of damage and the difficulty of renovation, the renovation is carried out through development with dangerous renovation, municipal engineering with dangerous renovation, and housing renovation with dangerous renovation. critical changes in the form.
The difference between commercial housing and affordable property rights
Commercial property rights are the most complete housing property rights. In addition to the three rights of disposal, use and possession, they also have Have full income rights. That is to say, the property owner who owns the property rights of the commodity is not subject to any restriction by any unit or individual when transferring, leasing, donating, inheriting or other transactions, and all the income he obtains belongs to the individual.
The property rights of affordable housing are also complete property rights. However, since the price of affordable housing is set by the government and the land is allocated, the house cannot be donated when it is transferred again. There are two ways for affordable housing to be relisted: one is through direct listing transactions. Another method is that the property owner first pays 3% of the land transfer fee based on the market appraisal price, and then goes to the ownership registration department of the Housing Authority to go through the change procedures with the supplementary payment procedures.
Fund-funded housing is divided into housing reform housing and affordable housing according to price.
What needs to be explained here is that there are two types of property rights for raising funds to build a house: one is that the house is sold at a price higher than the cost of housing reform that year, and its property rights are defined as affordable housing property rights. The other is a housing reform cost price lower than that year, and its property rights are housing reform costs. The property rights of dilapidated houses that have been renovated and relocated shall be managed in accordance with the property rights of economically affordable housing. Therefore, the nature of this property right can refer to the above-mentioned affordable housing property rights and housing reform cost property rights.
12. Loans
1. Mortgage: The mortgagor transfers the property rights to the mortgage beneficiary (usually the bank that provides the loan) as a guarantee for repayment. After the loan, the mortgage beneficiary immediately transfers the property rights of the property involved to the mortgagor. (Simply put, during the mortgage process, the house is not yours. It will not be yours until the end of the mortgage process.
2. Personal housing There are three types of loans:
Housing Provident Fund: It is a long-term housing savings fund for employees with security and mutual assistance paid by employees and their units in accordance with regulations
Commercial Personal housing loan: It is a housing mortgage loan issued independently by a commercial bank using its own local and foreign currency deposits. Ordinary housing mortgage loan
Personal housing portfolio loan: People who meet the conditions for personal housing commercial loans also pay Those with housing provident fund savings can also apply for personal housing provident fund loans while applying for personal housing commercial loans.
3. Provident fund loans
Employees in our city must meet the following conditions to apply for provident fund loans:
Having permanent residence in the city
Working employees with full capacity for civil conduct
Having a stable career and economic ability to collect and repay loan principal and interest
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According to the regulations, the housing provident fund has been paid in full (10-14% of the average monthly salary) at the Municipal Fund Management Center for more than one year
Have a house purchase contract or agreement that complies with the law< /p>
Have self-raised funds that account for more than 30% of the total price of the house purchased
Agree to apply for a housing mortgage or securities pledge
The most basic personal condition is that he is male Employees under 60 years old, female employees under 55 years old: The objective condition is whether the second-hand house purchased has been confirmed by the Municipal Housing Reform Center
2. Loan limit
1. The maximum loan limit is 70% of the appraised value of the purchased house
2. The maximum loan amount is 200,000 yuan
Term of the loan: up to 20 years
Definition of the term of the pledged property : Only properties built after 1987 can apply for provident fund loans
Loan interest rate:
The contract interest rate for personal housing loans with a period of less than 1 year (including 1 year) will be adjusted in case of statutory interest rates , no interest is calculated in installments; if the loan term is more than one year, if the statutory interest rate is adjusted, new interest rate regulations will be implemented according to the corresponding interest rate grade starting from the beginning of next year.
The current interest rate for housing provident fund personal loans is: Loan. The loan period is 1-5 years (including 5 years), and the annual interest rate is 3.6% (monthly interest rate is 3‰). The loan period is 5-20 years (including 15 years), and the annual interest rate is 4.05% (monthly interest rate is 3.375‰)
Process evaluation of payment and signing of agreement between buyer and seller
Signing of agreement→Processing loan approval→Signing of loan contract→Transfer of property rights→Real estate mortgage→Lending of funds
Payment standards:
p>Intermediary service fee: 600 yuan
Assessment fee: 100 yuan for residential, non-residential (0.25% of the assessed value)
Property rights transaction transfer: property rights transaction tax (residential ) 1.5% tax, construction area is charged 6 yuan per square meter, registration fee is 80 yuan
Mortgage visa fee: 80 yuan for residential, 25 yuan for non-residential
Guarantee fee: 1-10 Ten thousand yuan × 1% × number of years; more than 100,000 yuan × 0.8% ID card, military officer ID card or other valid residence documents
The borrower must have a stable career, income and repayment ability.
And submit proof of economic income or proof of repayment ability
Have bank-recognized assets as collateral
Submit proof of self-financing of more than 40% of the total price of the house purchased
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Purchase contract, agreement or other supporting materials
List of mortgages or pledged properties, ownership certification documents, proof of the consent of the person with the right to dispose of the mortgage or pledge, and proof of valuation of the collateral
2. Loan amount: The loan amount is about 40-60% of the appraised value of the purchased house
3. Loan period: up to 15 years
For pledged properties Term definition: Only properties built after 1988 can apply for 5 commercial loans
4. Interest rate:
1. The implementation of personal housing loan period within 1 year (including 1 year) The contract interest rate will not be calculated in stages if the statutory interest rate is adjusted. If the loan term is more than one year, if the statutory interest rate is adjusted, new interest rate regulations will be implemented according to the corresponding interest rate grade starting from the beginning of the next year.
2. The interest rate from 1 to 5 years (including 5 years) is 4.77%, and the monthly interest rate is 3.975‰; the interest rate from 5 to 15 years (including 15 years) is 5.04%, and the monthly interest rate is 4.20‰
2. Process (1) For example, the process of applying for a commercial loan with a guarantee company is the same as a provident fund loan
(2) China Construction Bank: initial evaluation → pre-loan investigation → signing the contract and paying the down payment → transfer of property rights → secondary evaluation → signing the loan Contract, notarization, insurance → mortgage → loan
3. Payment standards
1. Combined loan application conditions
My household registration, ID card, military officer ID card or Other valid residence documents
The borrower must have a stable career, income and repayment ability, and submit proof of economic income or repayment ability
Have a housing purchase contract or relevant supporting documents
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Having assets recognized by the Housing Fund Management Center as mortgage or pledge: or when the borrower cannot provide the mortgage or pledge in full, an entity or individual recognized by the lender and meeting the prescribed conditions and with sufficient repayment capacity can be used as repayment The guarantor who is jointly and severally liable for the principal and interest of the loan
Complies with other conditions stipulated by the Housing Fund Management Center
Loan amount: the maximum amount is 650,000 yuan: of which the maximum provident fund amount is 150,000 yuan, commercial banks Up to 500,000 yuan
13. Issues that should be paid attention to
1. Determination of the repayment amount of each period and the repayment period
(1) According to the borrower The maximum repayment amount is determined by family income and necessary monthly household expenses
The monthly repayment amount shall not be less than 35% of the family's monthly income
2. Agricultural Bank of China loans must have a land use certificate< /p>
It only costs 33 yuan to apply for a first-hand land certificate within the specified number of meters. Additional fees will be charged per square meter for the excess amount
Land certificate changes for second-hand houses are divided into: prime location, first-class, second-class, third-class, fourth-class and urban-rural combination according to the area where the property is located. Calculation by partial category
4. The loan amount of the property is based on the appraised value, excluding decoration. The repayments for housing reform houses and commercial houses are different. Each year is a depreciation period, and the original price of the property is deducted. 10% of
5. If a house is used as a commercial loan, the pledger must have full ownership of the house