Does buying a house in a different place mean buying across provinces or cities? Buying a house in a different place means that it is cross-regional. Whether it is a housing management office or a personal provident fund, it is divided according to the city. However, it should be noted that many cities have municipalities, and the housing management offices of such cities are generally included in the management measures cities. If you buy a house in the middle of two cities, it is not a different place, but some cities may be different. It is best to pay attention to the current policy in advance.

Matters needing attention in buying a house in a different place 1. Master the local purchase policy:

Generally speaking, different types of cities have different policies and loan conditions, so buyers who buy houses in different places need to know the local market before buying a house. You can't buy a house if you don't meet the conditions for buying a house. The real estate price and its purchase in many cities are closely related to the national macroeconomic policies and the new local economic and real estate policies. If you want to buy a house in other places, you should further understand the current relevant policies of the state and local governments.

2, in-depth understanding of the background of real estate projects:

Although it is inconvenient to buy a house in a different place, it does not mean that buyers must look at the house when buying a house. Property buyers should take the time to fully understand the general situation of the project in this community. Generally speaking, the real estate environment and affordable prices are usually easy to attract everyone's attention. Before submitting an order, buyers must know whether the house itself is reasonable and legal, whether the five certificates are complete, and the future regional economic development. Don't blindly follow the crowd.

3. Rational treatment of related publicity planning and service commitment;

For buyers who buy pre-sale houses, they can't find their own specific houses. Buyers will fully understand and rationally treat the real estate promotional materials, model houses, sand table model making provided by real estate developers and the "warm hospitality, verbal commitment and detailed introduction" of their real estate sales representatives at the scene. If necessary, the buyers will take photos on the spot to show the specific content of the real estate promotion, or they can use the whole audio to explain the specific content of the oral commitment made by the sales supervisor or ask for clarification in writing (with the official seal of the real estate agent or marketing company), and do a good job in the preservation of relevant evidence.

4. Be careful when signing a contract:

In the process of buying a house, buyers and sellers must sign a house sale contract. At this time, the buyer should carefully read and understand the specific terms of the relevant contracts signed with the developer, such as Confirmation (Confirmation) of House Purchase Agreement, Commodity House Sales Contract and its supplementary contract agreement, and make clear whether the description of the specific terms is true and accurate, whether their respective powers are fair, and whether the liability for breach of contract is fair and just, so as to prevent the "signing trap".

5. To ensure the security of fund transfer:

Property buyers who buy houses in different places should pay great attention to property safety when paying. Because when buying a house, they need to transfer a person's purchase money to the city they bought, and it is not recommended to bring cash. It is best to transfer funds by bank, which can be carried out by bank wire transfer, transfer, bank draft, remote withdrawal and other forms. Generally speaking, assets should be transferred to the account of the housing development and design company, not the account of the real estate sales staff, which should also be noted.

Do you need credit information from both husband and wife to apply for a mortgage? Buying a house loan requires personal credit information from both husband and wife. In loans overdue, if one spouse has credit, it will have an impact on borrowing money to buy a house. The mortgage application is jointly submitted by the husband and wife. Therefore, financial institutions will also check the personal credit status of both husband and wife after hearing the application. If either party has loans overdue, it will also endanger the application for mortgage. Each bank has different regulations on credit investigation. If the lender loans overdue's situation is not very serious, then the bank will handle the payment to him as appropriate. If loans overdue's personal behavior is unintentional, he can explain the situation to the bank and show the relevant "accidental loans overdue" to prove that this kind of situation generally does not refuse to grant loans.

Judging from the frequency of loans overdue, financial institutions are likely to implement the criteria for applying for loans: reducing the loan ratio and increasing the loan interest rate. If it is the first home loan, it is likely that you will not enjoy the preferential interest rate of bank loans. However, if one spouse goes to loans overdue three times in a row or loans overdue six times in total within two years, the loan will be rejected. According to the relevant requirements of the Marriage Law, under normal circumstances, the debts established by the husband or wife before marriage are personal debts, and the repayment is limited to property; Liabilities established during the marriage relationship are the same debts of both husband and wife, which are repaid with the same property.