2. Documents required for buying a house by loan: marriage certificate, household registration book, income certificate, copy of company business license stamped with official seal, running salary card (one year or six months, different banks, different needs), ID card, spouse ID card, spouse household registration book and spouse marriage certificate. If two people borrow money together, the spouse also needs to show proof of income, a copy of the company's business license, official seal and running salary. Singles need a single certificate (which can be issued by the unit, street or local police station), household registration book, income certificate, bank statement and ID card.
What are the precautions for buying a house?
1, learn about buying a house
Property buyers are likely to fall into the trap of buying a house and choose some defective houses when they look at the house and choose a house. Therefore, before buying a house, buyers need to know something about buying a house in advance, at least when choosing a house, they can clearly understand what the house they choose is like. It takes a lot of money to buy a house. Buying a house is a professional behavior. If you don't understand the relevant knowledge of buying a house, you will definitely encounter many problems in the process of buying a house, and even be deceived.
2. Evaluate purchasing power.
It is important to know what kind of house you want to buy, but deciding what kind of house you can buy depends on your own strength. Therefore, before buying a house, everyone should pay attention to evaluating their purchasing power. Look at your own economic ability, not only your current economic ability, but also your short-term job development potential in the next three to five years. After all, after buying a house with a loan, you need to pay a high mortgage every month. If you change your job, the impact will be very great.
3. Choose a reliable developer.
If you don't know whether to choose a large community or a small community when choosing a house, it is more reliable to choose a house from the investigation of developers at this time and try to choose a well-known brand developer. If the developer of the real estate is strong, the location, housing quality and apartment type of the new real estate will be better. Now some developers have gone bankrupt and fled, which is fatal to property buyers, so property buyers must realize the importance of developers.
4. Pay the deposit carefully.
It's not that easy to refund the deposit. Although everyone can protect their rights and interests by legal means now, if the buyers pay the deposit, they can't go back on their words and change rooms at will. When paying the deposit, he should also pay attention to signing a deposit agreement, which is called a subscription book in some places. Property buyers should pay attention to the fact that signing a subscription agreement is not a necessary procedure for buying a house. After signing, they will fall into a deposit dispute, and it is recommended not to pay the deposit as much as possible.