We know that Tianjin is a very good city, so we must understand it clearly before buying a house. The following small series will introduce you to the policy of buying a house in Tianjin.
What is the policy of buying a house in Tianjin hukou?
For households registered in this city: those who already own 1 apartment in this city can also buy 1 apartment; If you already own 2 houses, you can't buy a house again; When buying a house loan, women cannot be over 55 years old and men cannot be over 60 years old; Have a stable and legal income source and a valid ID card, have the ability, and reach the age of 18.
What is the purchasing process in Tianjin?
1, checking property rights is the key to buying a house. It depends on whether the relationship between land and housing property rights is clear and whether there are any problems left over, so as to prevent the sale of one house and two houses; Review the integrity, authenticity and reliability of housing property rights. Pay attention to whether the owner's name on the real estate license is consistent with that of the seller, whether there is a mortgage or someone, etc. It is necessary to find out whether the house you buy is a commercial house or a fund-raising house. Fund-raising houses need to be stamped by the unit to be listed and traded, and affordable houses need to live for five years to be listed and traded.
2. If it is an auction house, first understand whether the developer has the pre-sale qualification of commercial housing. Five certificates refer to construction land planning permit, construction project planning permit, construction permit, state-owned land use permit and commercial housing sales (pre-sale) permit.
The second step of the purchase procedure is to sign a contract to confirm the legal identity of the buyer and the seller. Before signing a real estate agency contract, you should review your qualifications to see if you have gone through the industrial and commercial registration procedures; Examining the entrusted agent of the other party. When signing the sales contract, the buyer must pay the down payment or deposit for the house purchase, and remember that the money should be handed over to the seller in person, and the seller will issue a receipt. When giving it to others, you must review the other party's power of attorney to confirm whether the other party is the legal agent of the seller.
4, will enter the substantive stage of buying a house. Specifically: housing appraisal, housing mortgage loan, housing property right transfer and collection. After buying a house, you should apply for a real estate license as soon as possible, and urge the seller to move out of the account as soon as possible; Don't simplify the procedures, don't trade privately, and go through the transfer formalities legally and thoroughly.
5, the transfer of property rights must be reported to the property department for transfer procedures. Four-step Delivery of House Purchase Procedures After all the house purchase procedures are completed, the buyer and the seller shall hand over the house according to the terms of the contract, and accept the house decoration and ancillary facilities that cannot be removed in the house. After the acceptance, the buyer will pay. The buyer should not pay off all the house payment before obtaining the real estate license.
Summary: There are so many policies for buying houses in Tianjin hukou. Be sure to know some local policies before buying a house, so as to know whether you are qualified to buy a house.
2. What are the housing loan policies in Tianjin?
Calculate how much it will cost to decorate your home. Tianjin has great geographical advantages. Adjacent to Beijing, many people will choose to buy a house here. At present, most of them are in mortgage to buy a house, so what is Tianjin's housing loan policy? Many property buyers are very concerned, and then we will learn about it through the following related content! If you buy a house for the first time and have no mortgage record, the down payment for applying for a commercial loan shall not be less than 30% of the total house price. The down payment shall not be less than 60% of the total house price if you have a real estate under your name or a previous mortgage record and apply for a commercial loan. In terms of interest rate, the lowest floating rate of the first suite is only 5%, and the lowest floating rate of the second suite is 10%. As for the identification of the second suite, the scope is also expanding, which not only limits the real estate in the area where the house is purchased, but also includes the real estate in other areas under the name. The loan record also involves all the mortgage records of the applicant. Banks often recognize housing and loans. As long as there is a mortgage record before, whether the property is still in the name or not, buying a house again belongs to the second suite. Compared with commercial loans, provident fund loans have longer life and lower interest rates. Therefore, migrant workers will choose this kind of loan when buying a house in Tianjin. Moreover, the down payment is often not less than 60% of the total house price, with a maximum of 400,000, but the specific application amount should be within ten times of the account balance. Foreign workers who want to apply for provident fund loans must meet these conditions: First, they have worked in urban areas for 12 months or more; Second, the property applying for a loan is the only housing. If the two points meet, go to the provident fund management center to apply for withdrawal and go through the relevant procedures. In addition, most banks have adjusted the mortgage interest rate accordingly, and the interest rate of the first suite has been lowered from 10% to 50% to 20%. But not everyone can enjoy this preferential interest rate, and the relevant conditions must be met. The interest rate is still being adjusted, which means the change of mortgage pressure. I hope the above answers are helpful to you. Enter the area and get the decoration quotation for free.
3. What are the latest regulations on the down payment ratio for purchasing houses in Tianjin?
1. The minimum down payment ratio for households in Tianjin who have no housing or housing loan records (including housing provident fund loans) and apply for commercial personal housing loans to purchase houses is 30%.
2. If a household registered in Tianjin applies for a housing provident fund loan to purchase the first house, the down payment ratio shall be uniformly adjusted to not less than 20% of the purchase price. In addition, the maximum amount of personal provident fund loans is 600,000 yuan and the maximum amount of family provident fund loans is 800,000 yuan.
What is the standard for determining the first suite in Tianjin?
1, the commercial loan has been settled, and then the loan is used to buy a house, the first suite in Tianjin. I bought a house with a loan and sold it. No real estate can be found through the housing registration system, but the bank credit information system can find the loan record, and then the loan is used to buy a house, which is the first suite in Tianjin.
2. Loan to buy a house, the first suite in Tianjin. I bought a suite in full and later sold it. The house registration system couldn't find the property, and then borrowed money to buy a house, which was the first suite in Tianjin.
3. There are commercial loan records of two suites in personal name, which have been paid off and sold. At the same time, they can provide proof of sale of two houses. In this case, when they refinance, it is also the first suite in Tianjin. One commercial loan has been paid off and the other provident fund loan has been sold. At the same time, they can provide proof of house sales. Applying for a commercial loan to buy a house is the first suite in Tianjin.
4. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans to buy a house before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, bank financial institutions can flexibly grasp the loan interest rate and down payment ratio according to the borrower's solvency, credit status and other specific factors, and calculate the first suite in Tianjin.
5. Husband and wife, one party has a house before marriage, but there is no loan record, and the other party has a loan record before marriage, but there is no real estate under his name. Buy a house, apply for a loan after marriage, the first suite in Tianjin.
6. It is also the first suite to repay commercial loans in the name of individuals, sell provident fund loans, provide proof of housing sales, and apply for commercial loans to buy a house.
4. How to borrow money to buy a house in Tianjin?
In principle, if you buy a new house in the sixth district of the city and pay more than 300,000 yuan at a time, or if you pay more than 250,000 yuan at a time in the fourth district of the city (Xiqing \ Jinnan \ Dongli \ Beichen), you can give a blue seal account.