What should I do if I lose my house bill?
1. Lost the down payment certificate.
Property buyers can get proof of full payment by paying the full amount, so it is less affected to apply for real estate license or withdraw provident fund.
2. Lost proof of full payment.
You can apply for a written certificate from the issuing bank, or you can ask the issuing bank to provide a copy of the stub or bookkeeping copy of the lost bill. The certificate shall clearly indicate the name of the certification unit, the number of units purchased or serviced, the unit price, the amount in words and figures, the specifications, the certification code, the certification track and the certification number, but the issuer shall not be required to issue bills repeatedly.
3. Lost the purchase invoice
With the purchase contract and identity certificate, wait until the developer copies a (triple) certificate, and then apply to the local tax authorities for a replacement (or entrust the developer to reissue it).
4. Lost deed tax bills
When the house is re-traded, it is necessary to use the deed tax certificate of the original owner to verify the original value of the house when paying taxes, judging the age of the house and proving the transfer. Therefore, buyers should also pay attention to the custody of deed tax stamps. If you lose it, you can't make it up, but you can go to the tax department to apply for the deed tax payment certificate, and the effect is the same.
How big is the gap between buying a house in full and buying a house with a loan?
With the implementation of differentiated regulation by the government, developers have also adjusted their tactical response policies in time. Especially recently, many housing enterprises are implementing "price reduction promotion" measures. Do many people think this is not a good thing? But after reading the details of the offer, you will find that many additional conditions are needed to get these seemingly "cheap" things. For example, the price of a property before regulation was 5 million, but now it has dropped to 4.8 million, a drop of 200,000, which is not a small amount. However, if you want to buy a house, the developer requires buyers to pay 70% or the full amount in order to enjoy the discount. Rich people don't care, but who can give 3.5 million cash to those who really need it at once? It's all about withdrawing funds, but the developers have tried their best.
Judging from the housing loan, the mortgage interest rate this year is 20% higher than last year, and the house with 1 10,000 yuan will cost 200,000 yuan more. Not only that, the bank's approval of mortgage loans is stricter and the cycle is getting longer and longer. If you want to buy a house through a loan, you have to fight a protracted war with the bank, even a little bad record will be rejected.
Real property buyers should not only please banks, but also please real estate sales. Now, if the sales staff know that you are buying a house with a mortgage or provident fund, they really don't want to take a reason, because the house is not for sale, and it is not for sale. It's a pity not to sell; Sell it, bank loan approval is a problem, and the loan approval cycle is a problem. It can be said that the current loan to buy a house is already a chicken rib, tasteless to eat, and it is a pity to abandon it.