1. Try to choose provident fund loans. Young people with housing provident fund can use as much provident fund as possible when buying a house. Even if you don't work long and have less provident fund, you can use it if you can, at least you can pay less interest. Limited by the ability to pay, single youth houses should be purchased with full consideration of the current economic income level and the quality of daily life not affected. The loan period should be moderate, generally 15 to 2 years is better.

2. Second-hand houses are also a good choice. Due to the lack of working years and tight financial situation, single young people have many obstacles in buying a house, and high housing prices are a big stumbling block. Generally speaking, the down payment for new houses is basically more than 1, yuan, which is really difficult for young people who are still in the WTO. During the transition from independent life to family life, second-hand houses are a good choice.

What are the procedures for buying a house

1. Are you qualified to buy a house? No matter where you buy a house, the first thing to do is to confirm whether you are qualified to buy a house. Some cities have strict requirements and must have a local household registration. Some places require a local record of continuous payment of social security.

2, determine the source of the house: according to their own needs, determine the housing they need. When choosing a house, we should not only consider the developer's situation, but also consider the house type, community quality and property qualification. Choose a mature area for buying a house, then choose a house close to the rail transit, and finally choose an area with policy inclination. The environment and transportation facilities may be greatly improved in the later period with policy inclination.

3. Pay down payment or down payment: After confirming the housing, if you are going to buy it, you need to pay down payment or down payment to the developer and sign a letter of intent to buy it. At this time, we should pay attention to whether to pay the deposit or the deposit, in which the deposit is legally binding. If the buyer violates the contract, he can't get the deposit back, and the developer needs to double the deposit if he violates the contract. The deposit is not expressly stipulated in the law, which generally means a certain amount of money paid in advance, and there is no compensation for breach of contract.

4. Signing a house purchase contract: A group of house buyers need to formally sign a contract with the developer within the contract period of the deposit and pay the remaining money. The purchase contract is an important proof of buying a house and safeguarding rights. When signing the purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the obligations and rights in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, whether the delivery date and standards are clear, and whether there is monopoly property management right.

5. Apply for housing loan: If you choose to buy a house by loan, you need to go to the bank to apply for housing loan after the developer signs the housing sales contract. Housing loan, usually with the purchased house as collateral. According to the source of loan money, it is divided into provident fund loans and commercial loans. According to the repayment method, it is divided into two types: equal principal and interest repayment method and equal principal repayment method.

6. house inspection and delivery: house inspection is the last step of buying a house, and the corresponding handover agreement should be signed with the developer after the house inspection. Everyone must be careful when inspecting the house. It is best to find some experienced people to accompany the house inspection. In the process of house inspection, we should follow the whole process, discuss some problems in time, and solve them in time if found.