Frequently asked questions about buying a house in Hangzhou:
How to identify 1 and 2 suites?
Principle: recognize the house and recognize the loan, take the family as the unit, as long as there is a real estate in Hangzhou or a mortgage record in the country, then buying a house belongs to two sets.
2. Is it two sets to sell a small house for a big house?
Even if the existing house is sold in advance and becomes a houseless household, as long as the borrower has used the loan to purchase 1 house (or above) and applied for a loan to buy a house, it will be regarded as two houses and the second suite policy will be implemented.
3. Is housing reform and affordable housing included?
In principle, the identification of the first suite is regardless of nature, whether it is affordable housing, housing reform housing or commercial housing.
4. How to understand the "local household registration" in the purchase restriction policy?
As long as one of the family members (including husband and wife and minor children) has a household registration in Hangzhou, it is considered as "household registration in this city".
5. Serviced apartments, small property houses, shops and office buildings are not within the scope of purchase restriction.
6. Conditions for application for house purchase:
Applicant 18 years old or above, with high school education or above and full capacity for civil conduct, without infectious diseases; With the migration of minor children's household registration, it is necessary to comply with the family planning policy;
① The applicant has not been reeducated through labor or has been investigated for criminal responsibility;
(2) The applicant actually lives in the place where the house is purchased, and has the same household and a stable income source;
③ If a second-hand house is purchased, the original household registration in the house has moved out.
7./kloc-can I buy a house under 0/8 years old?
You can buy it, and the owner's name can be you. I just can't get a loan, because the loan requires a fixed job and a stable income. Pay the full amount or borrow it from my home.
8. Can I check out after paying the down payment and not signing the purchase contract?
Check out depends on the specific reasons. If the developer is not at fault or there are serious housing hidden dangers, but the buyer unilaterally requests to return the house, he can request to return the house, but he needs to make compensation according to the relevant provisions of the contract. If the relevant procurement contract is not signed, it shall be operated according to the relevant provisions of the scheduled contract.
9. How long does it take to approve the housing provident fund loan?
A: The housing provident fund loan in Hangzhou is submitted to the provident fund center for approval after the entrusted bank accepts the loan application. The provident fund center shall complete the loan approval within 7 working days from the date of receiving the materials submitted by the entrusted bank (the combined loan shall be approved as a commercial loan by the loan bank of the Economic Commission). If the examination and approval cannot be completed within 7 working days due to special circumstances, it may be extended for 5 working days with the approval of the person in charge of the provident fund center, and the provident fund center or the entrusted bank shall inform the applicant of the reasons for the extension.
10. What conditions do employees need to meet when applying for a second housing provident fund loan?
A: Workers' families (including borrowers, spouses and minor children) whose existing per capita housing construction area is lower than the average level published by the statistics department of this Municipality last year (note: Hangzhou's per capita housing construction area is 34.68 square meters in 20 14) can apply for a second set of housing provident fund loans to improve their living conditions. The down payment ratio of the second housing provident fund loan is not less than 70%, and the loan interest rate is 1. 1 times of the first housing provident fund loan interest rate in the same period.
1 1. What is the difference between the provincial provident fund and the municipal provident fund?
A: The direct payment unit of the provincial provident fund is the provincial provident fund management center, and the management unit of the municipal provident fund is the municipal provident fund management center. No matter where the deposit is made, as long as it conforms to the Measures for the Administration of Entrusted Loans for Individual Housing Provident Funds, loans can be made.
12. Can I get a loan after retirement?
Mortgage loans have restrictions on the age of borrowers. In principle, the sum of the borrower's longest loan period and the borrower's actual age shall not exceed 65 years old, and must have a fixed income, and the repayment amount shall not exceed 55% of the borrower's total monthly income.
(The above answers were published on 20 15- 12-09. Please refer to the actual situation for the current purchase policy. )
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