First, the nine processes of buying a house by loan
Process 1: Preparation before viewing the house
Before looking at the house, you can make a capital plan first to understand the down payment funds available for distribution.
It is best to have a detailed down payment fund range, and choose a suitable house within this range.
According to my qualifications for buying a house, I have determined the type of property I want to buy. If I can't buy a house for 70 years, I can buy a house for both business and residence.
Process 2: On-site house inspection
Go to the sales office to see the real estate, and demand depends on the project sand table, apartment sand table and regional sand table.
Understand the details of the whole building, ask the property consultant about the surrounding facilities and planning, as well as the unit price and preferential activities of the house.
If you know about the auction project, usually, the surrounding facilities are still under planning. You can go to the government website to check the surrounding planning documents.
Process 3: Arrange the number and choose the house.
For some centrally opened properties, developers will ask buyers to stop arranging numbers, and wait until the real opening day to stop choosing houses according to certain rules.
When choosing a house, the whole process is relatively compact, so buyers can make a backup plan in advance and try to choose their favorite house.
Process 4: Subscription
Choose a good house, if you want to subscribe, buyers need to prepare the information for the qualification examination in advance, sign the subscription book and hand it over to the developer staff.
At the same time, a part of the deposit will be paid at the time of subscription. The deposit has a receipt (UnionPay receipt), and the amount paid by the deposit does not exceed 20% of the total house price specified in the contract.
Process 5: online signing, signing and down payment.
After submitting the house purchase qualification audit, the audit results will be issued within 10 working days.
After the audit, the developer informed the buyers to sign the purchase contract.
When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the rights and obligations in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, and whether the delivery date and specifications are clear.
Pay the down payment, generally there will be pos machines in the sales offices, and the UnionPay receipts that have been paid by credit card should be collected, waiting for the developer to issue the down payment invoice. You can get it the same day.
Process 6: Loan
If there is a bank staff stationed in the sales office, buyers can hand over the prepared information to the bank.
The time of lending is related to the speed of bank processing and the situation of building capping. Take Beijing as an example. In the case of auction, after the loan time of commercial loans and municipal provident fund loans is capped, the mortgage time of state-owned provident fund loans has nothing to do with whether it can be capped.
Process seven: house inspection and house collection
After the first few steps are completed, developers such as buyers' demand will inform them to close the house. Buyers need to pay attention to the closing time. When inspecting the house, they should carefully check every detail of the house and check the "three certificates, two books and one form".
If the developer can't produce these documents, he can directly refuse to accept the house. If you don't trust my house inspection, you'd better ask a professional to stop it.
Process 8: Pay taxes
After the house is closed, all buyers can pay taxes to the local tax bureau with the purchase invoice and the measured area difference invoice (if the auction house has an area difference, this invoice will be available).
Generally speaking, commercial housing needs to pay deed tax and residential special maintenance fund, and commercial housing needs to pay additional stamp duty, and then pay property fees, heating fees, parking spaces and other expenses.
Process 9: Handling the house book
When buying a house with a loan, the developer usually asks the third party to stop acting, and the buyer only needs to hand over the information and expenses to the agent, waiting to get the house book.
Under normal circumstances, you will leave the house within 180 days (existing house) -270 days (forward house) from the date of occupancy.
Second, the precautions for buying a house with a loan
1, purchase invoice
Before the house is closed, the invoice for the loan to buy a house includes the down payment invoice and the loan invoice. If you buy an existing house, you need to pay taxes with these two invoices.
If the purchase is faster, there is a difference in area, developers will generally re-open a down payment invoice and recover the previous invoice. If the down payment invoice is accidentally lost, the developer will not replace the invoice, and will ask the buyers to go through the formalities of invoice loss, because once the invoice is lost, there is no way to make up for it.
2. Personal credit information
Personal credit information is very important when handling commercial loans. If you have a six-month overdue record for three consecutive months, basically no bank will lend you money.
3. Proof of income
Proof of income should cover up twice the debt in one's name. In the month when the bank operates, the demand shall be issued according to the requirements of the subsidiary bank. Small businesses may need to provide a copy of the company's business suspension license.
4. Provident fund loans
It should be noted that the provident fund that meets the demand and 12 months has been paid in full, and it is still being paid before applying for a loan. The time from application to lending of provident fund loans is longer than that of commercial loans, and the demand is gradually increasing.
In addition, in the process of buying a house with a loan, if you encounter any problems, you can seek help from the house purchasing staff in time.