If handled by an individual:

1. The applicant has legal and valid identification;

2. The applicant has a stable economic income and the ability to repay all the loan principal and interest on schedule;

3. The applicant has no bad credit record and bad behavior record;

4. There are legal and effective purchase contracts and agreements and other supporting documents required by the Construction Bank;

5. There are self-raised funds that meet the loan conditions, and they are guaranteed to be used for the down payment of the purchased house;

6. The borrower's age plus the loan period can be up to 70 years old (inclusive). Among them, the borrower's age plus the loan period shall not exceed 75 years of age in principle if it meets the scope of high-quality customer groups of our personal credit business.

If it is not handled by an individual:

If the real estate license should write the names of both husband and wife, it should be noted that the spouse's ID card should also be brought. Generally speaking, buyers and sellers buy and sell through introductions. The first contract to be signed is a contract provided by an intermediary company. On the day of transfer, the sales contract of real estate license is a blank contract provided by the real estate bureau.

Five copies of ID card and two copies of sales contract are required.

Go through the formalities:

Sign a sales contract with the Housing Authority, pay personal income tax (seller), transaction tax and house deed tax to the State Administration of Taxation and Local Taxation Bureau, and then go back to the Housing Authority for transfer registration.

Generally, the buyer and the seller agree who pays the tax from the beginning, and it may be that the buyer pays the tax for the seller, or the seller pays the tax for the buyer.

If it is handled by an intermediary company, there will be fewer detours.

If you want to buy a house by installment, you need to apply for a mortgage loan from the bank. Compared with buying a house in full, you have to pay the mortgage registration fee of 120 yuan, depending on the size of the area and whether you buy a house for the first time, as follows:

1, mapping fee 1.36 yuan/square, buyer;

2. The appraisal fee is 0.5% (the appraisal amount is allowed to float), and the buyer;

3. Within the first 90 square meters 1%, within the first 90 square meters 1.5%, and exceeding 144 square meters or 3% for the first time, the buyer shall pay;

4. Transaction fee 3/ m2, buyer;

5. Production cost: 80 yuan, buyer (stamp duty of works: 5 yuan);

6. Mortgage registration fee 120 yuan.

Benefits of buying a house by installment:

1. Commercial housing that can be expanded by installment is a part of unsold houses put into use as soon as possible, giving full play to the comprehensive benefits of money and commodities;

2. Promote the stable and harmonious development of the real estate trading market and attract a large number of property buyers;

3. Low-income people can also get housing security; In the future, existing public houses can also be sold to tenants by stages to recover a lot of funds.