1. Documents required for full purchase:
Married: marriage certificate, identity card and household registration book of both husband and wife.
Single: ID card, household registration book, single certificate.
Full house purchase procedures: one-time payment, generally directly to the sales office to pay the money (including various taxes and fees), the rest of the sales office can help you handle, just waiting to get the real estate license.
Second, the documents needed for the loan to buy a house:
Married: marriage certificate, household registration book, income certificate, copy of company business license stamped with official seal, running salary card (one or six months, different banks, different needs), ID card, spouse ID card, spouse household registration book and spouse marriage certificate. If two people borrow money together, the spouse also needs to show proof of income, a copy of the company's business license, official seal and running salary.
Single: single certificate (issued by the unit, street or local police station), household registration book, income certificate, bank statement and ID card.
Loan to buy a house: new house-go to the bank for face-to-face signing alone (with the above information, the sales department will tell you the specific information); Second-hand house-go to the bank and sign a contract with the seller.
Three. Documents required for buying a house with provident fund:
A copy of the applicant's ID card;
A copy of the applicant's household registration book (including the first page and the first page);
Original income certificate of the applicant;
The original certificate of the applicant's provident fund deposit;
Original purchase contract and purchase down payment invoice.
If you are married, you must also provide a copy of the above materials and a spouse marriage certificate;
A copy of the house sales license;
Copy of land use certificate.
Handling process of provident fund housing loan: the management center examines the application materials, and if the loan meets the loan conditions, it signs a loan contract according to the loan approval form-goes through the guarantee formalities with the guarantee company and signs a mortgage contract-signs a bank receipt and entrusted deduction agreement with the entrusting bank-the management center entrusts the bank to transfer the loan funds into the seller's account-and the guarantee company goes through the mortgage registration formalities for the lender.
Fourth, the state stipulates that developers must complete the "five certificates" and "two books" when selling houses; Only the developer's "five certificates" and "two books" complete building can be purchased with confidence; See: "Five Certificates" refer to state-owned land use right certificate, construction land planning permit, construction project planning permit, construction project construction permit (also called construction project commencement permit) and commercial housing sales pre-sale permit; The second book refers to the "residential quality guarantee" and "residential instructions".
Buying a house: refers to buying a commercial house from a real estate developer or other development unit, or buying a second-hand house from other real estate owners, obtaining detailed information of the house through advertisements, and deciding to buy after comparison. The channels for obtaining real estate information include real estate developer activities, outdoor advertisements, newspaper advertisements, online advertisements, and friend introductions. Once the house is confirmed, both buyers and sellers must apply for real estate warrants to ensure the buyer's rational use of the house property rights.
Most banks have "mandatory" regulations for property buyers to borrow money to buy a house, and they must also buy "personal mortgage loan home insurance".
Housing insurance includes housing property insurance and personal mortgage insurance. This kind of insurance exists because both banks and borrowers are seeking protection, because personal loan business is often long and may be variable. The bank hopes that the borrower can guarantee to repay the loan when he is unable to repay the loan, and the borrower hopes that this guarantee will enable him to keep the property;
However, this kind of guarantee cannot be solved by both parties, so housing loan insurance is introduced: insurance premium = insurance amount (that is, total house price) × insurance rate × insurance period. It enables the bank to be paid as the beneficiary of the insurance contract when there is a risk of repayment, and the guarantor can also keep the property after the accident.
Housing insurance mainly includes personal mortgage housing insurance, family property insurance and personal mortgage guarantee insurance. The coverage of family property insurance includes houses and their ancillary equipment, clothes, bedding, furniture, gas appliance, kitchen utensils, musical instruments, sports equipment and household appliances; Additional risks include theft, robbery, gold and silver jewelry, banknotes, bond insurance and third party liability insurance.
The insurance amount of individual housing mortgage insurance is calculated in years, the insurance rate is higher than that of mortgage insurance, and the insurance period is no more than 20 years. Because this kind of insurance is similar to life insurance, it is aimed at the personal accident and other accidents of the insured, and the insurance company bears greater risks and its insurance liability is also formulated more strictly.
Buying a house-Baidu Encyclopedia entry