In China, except for the large population of Han nationality, other ethnic groups have a small population, so they are also called ethnic minorities. Different nationalities have different characteristics. Besides expressing the differences between daily life and food culture, even buildings are quite strange. For example, some ethnic housing buildings are like mushrooms. So which nationality's building is the mushroom house? What procedures need to be approved for housing transactions?

Which nationality is the mushroom house built by?

This is the house where Hani people live. Legend has it that in ancient times, Hani people lived in caves. Later, when they moved to a place called Loya, they saw that the mountain was covered with large mushrooms. They are not afraid of the wind and rain, but also allow ants and insects to nest below, so they built a mushroom house.

A mushroom house, as its name implies, is a house shaped like a mushroom. Its wall base is made of stone or brick, half a meter above ground and half a meter underground. On it, move a solid section of soil, form a wall with plywood, and finally cover the roof with multiple thatchs into four inclined planes. Mushroom room is exquisite and beautiful, unique. Even in the cold winter, the room is warm; In hot summer, the room is very cool. Mali Village, Yuanyang County, Honghe Prefecture is the largest and most typical Hani village.

What is the procedure of house transaction?

1, the house transaction first signs a house purchase contract with the developer.

At this time, it is necessary to check whether the developer has five certificates: state-owned land use certificate, construction land planning permit, construction project planning permit and building construction permits commercial housing sales (pre-sale) permit.

2. Pay the down payment of the house transaction, and pay attention to keeping the receipt of the down payment.

3. After the house transaction, go to the bank to fill in the Application Form for Personal Housing Loan.

Developers usually sign cooperation agreements with one or more banks, so it will be more convenient to go to the banks that have agreements with developers to handle mortgage agreements. Bring the down payment receipt and the commercial housing sales contract "Personal Housing Loan Application Form".

4. Banks review mortgage applications in housing transactions.

The bank's credit staff will review and approve the materials submitted by the applicant step by step. If they think they meet the loan conditions of the bank, they will inform the applicant to sign a personal housing mortgage loan contract with a term of no more than 30 years.

Through the above introduction, you can see which nationality the mushroom house is and what procedures should be handled in the house transaction. Mushroom house can really leave a deep impression on people, but in the house transaction, it is necessary to ensure that the five certificates are complete, so that the house can be handed over smoothly in the later period, and the loan period should be determined in combination with economic strength.