Detailed process of buying a house

Before buying a house, you must first confirm your qualifications for buying a house and lending. Otherwise, you sign a contract with the developer and find that you are not qualified to buy or borrow, but you have to bear the liability for breach of contract. Because many cities now have limited purchases, foreigners should confirm whether they meet the local purchase qualifications. Of course, locals should also confirm the number of houses under their own names, and there are also restrictions on the number of houses purchased. The safest way is to go to the real estate registration for qualification examination, also called house inspection.

Make a good credit report in advance to ensure that your credit is good. If there are too many overdue credit reports, banks will refuse to lend. If you sign a house purchase contract, you won't be able to get a loan. In the end, you will feel uncomfortable. At the same time, you should also confirm the liabilities in your name and whether there is a loan record.

2. Looking at the house and choosing a house

Property buyers have to go to the scene to see the house, and developers must get the "five certificates" before they can legally sell. Property buyers should pay attention to the pre-sale certificate of the openers. If there is no pre-sale certificate, the down payment is risky. There will be a pre-sale certificate on the website of the local construction Committee.

When choosing a house, you should choose your favorite house according to your own funds, loan ability and demand.

3. Pay down payment and deposit

When choosing your own house, you must sign the subscription book. General developers will ask for a deposit first (after all, no one brings so much cash every day), and you will regret it if you pay the deposit. The deposit is not refundable. The amount of deposit varies, depending on the requirements of the developer.

After paying the down payment, it is necessary to prepare the down payment. You should prepare the corresponding down payment according to your actual situation. Before paying the down payment, you should determine your down payment amount and loan ratio with the property consultant. Remember that the down payment cannot be directly given to the property consultant, but should be transferred to the tripartite supervisor or developer of the Construction Committee.

4. Online signing, face-to-face signing and loan approval

The online sign is filed in the Construction Committee to determine the only buyer and seller to prevent one room from selling more. The online signing contract is a formal contract, which must be confirmed repeatedly to ensure its own power and fairness.

Face-to-face signing means that both the customer and spouse are present, providing proof of income, running water, signing contracts online, etc. And apply for a loan from the bank.

Loan approval, the bank will approve the loan according to the customer's situation and pay the loan amount to the developer's account. One month after the loan, the buyers will start to repay the mortgage.

Note: Many developers will require face-to-face signing to confirm the customer's loan ability before signing online. This is because developers cancel online signing in order to prevent property buyers from lacking loan ability.

5. Public maintenance fund, delivery, tax payment and office space.

Maintenance fund is used for the maintenance and conservation of public parts and facilities and equipment of residential buildings. Per square meter 100-200, deposited in a special bank.

When the house is delivered on schedule, the house acceptance is essential, and the house should be accepted according to the purchase contract and the delivery notice.

Paying taxes, that is, paying deed tax, will be determined according to the results of the first-step qualification examination and the housing area. The tax rate is 0% to 3% of the online signing price of 65438, which will be collected by local taxes. Whether it is a new house or a second-hand house, it is necessary to pay deed tax when it comes to the sale of houses.

After paying taxes, you can make an appointment to go to the real estate registration center to apply for a room book and get your own red room book. This set of processes is a successful conclusion.