202 1 Xi' an's most comprehensive strategy for buying a house, so that you can buy a house without a headache!

Many people want to buy a house in Xi 'an, but they don't know anything and buy blindly!

Such as where is the purchase restriction? How much is the down payment? Where can I see the price announcement? How to inquire about the record of commercial housing? etc ...

In particular, the policy of buying a house has changed a lot after several new policies.

Today, an article is all sorted out, and 202 1 Xi' an house purchase strategy is sent out!

note:

The text is all dry goods, and there are several websites related to buying a house directly on the QR code. Remember to forward the collection and praise it three times in a row!

1

Restricted purchase area

At present, Xi 'an implements the purchase restriction policy, and the regional division is as follows:

(Restricted/Unlimited Area Map)

The whole line of Xi's main city is restricted.

Lintong in suburban counties and Fengdong New Town in Xixian New Area (except for energy and gold trade zones) are also within the scope of purchase restriction.

Hu Yi, Yanliang, Zhouzhi and Lantian in suburban counties around Xi 'an, and Fengxi New Town, Qinhan New Town, Jinghe New Town and Airport New Town in Xixian Five Groups are not limited to purchase.

2

Purchase qualification

1, Xi Anshi Household Registration

In any of the following circumstances, it shall be recognized as the household registration of this Municipality:

(a) Xixian New Area registered households;

(two) if the household registration is moved out because of enrollment, the relevant documents of the original household registration in our city can be provided;

(3) Servicemen stationed in Shaanxi can provide certificates issued by units at or above the regiment level;

(four) before joining the army, the household registration belongs to the active servicemen in our province, and the original household registration certificate can be provided;

(5) Servicemen who meet the resettlement conditions of retired soldiers in our city can provide proof materials for demobilized soldiers in our city.

note:

The qualification for buying a house is family-based. As long as 1 family members are registered in Xi 'an, they are recognized as registered in Xi 'an and can buy a house in Xi 'an.

2.Xi' an Anxin settled in buyers.

Note: After Xi introduced the New Deal on March 30th, the qualification for purchasing houses has changed greatly.

Previously, it was only necessary to meet the household registration for one year or pay social security/tax for one year. Now they need to be satisfied at the same time to be eligible to buy a house.

Demobilized workers and their families who have settled in the army are not affected.

3. How to buy a house in a foreign household registration?

Non-registered households in this city can purchase 1 set of commercial housing only if they have no housing in the housing restricted area of this city and can provide personal income tax or social insurance certificates for more than 5 years (including 5 years).

Note: "Xi 'an has paid social security or individual tax certificate for more than 5 years (inclusive)" refers to continuous payment for 5 years from the last month of house purchase.

Specifically divided into the following situations:

4. How to settle in Xi 'an now?

You can settle in Xi 'an in the following ways, and then meet the qualification requirements of newly settled houses.

Note: Xi 'an hukou includes 1 1 districts (Xincheng District, beilin district, Lianhu District, Yanta District, Baqiao District, weiyang district, yanliang district, Lintong District, Chang 'an District, Gaoling District and Huyi District) and 2 counties (Lantian County and zhouzhi county) under Xi 'an's jurisdiction.

In addition, the community collective household education can be directly processed online, search for the official account of "Xi 'an Public Security" WeChat, and click on the pocket household registration room.

The above qualifications are applicable to the purchase of second-hand houses.

three

Down payment ratio of house purchase

After getting the qualification to buy a house, we need to know about Xi's current down payment policy.

1, down payment ratio of housing commercial loans:

Note: At present, to buy the first home in Xi 'an, it is necessary to have no commercial housing loan in the name of the purchaser (nationwide) to meet the minimum 30% of the first home.

The second suite needs to refer to the situation of the first suite (housing in the administrative area of Xi City) and the area of buying the second suite, which is subject to the handling of the bank.

2, housing provident fund loan down payment ratio:

note:

Xi has suspended the deposit of employee housing provident fund loans outside the city (including Xixian New Area).

1. Who can use provident fund loans:

Individuals who have paid the housing provident fund in full for more than 0/2 months (the specific period is subject to the current loan policy), and employees who have full civil capacity to purchase, build, renovate or overhaul self-occupied ordinary houses can apply for housing provident fund loans.

2, provident fund loan amount:

Loan amount = (balance between borrower's provident fund deposit account and spouse's provident fund deposit account) ×15× deposit time coefficient.

The balance of the deposit account between the borrower and the spouse is less than 20,000;

1. If the total balance of the account is less than 5,000 yuan, the maximum loan amount shall not exceed 200,000 yuan;

2. 5,000 yuan ≤ total account balance < 1 10,000 yuan, and the maximum loan amount does not exceed 250,000 yuan;

3. 1 0,000 yuan ≤ total account balance < 20,000 yuan, the maximum loan amount shall not exceed 300,000 yuan.

Note: For a family, the maximum loan is 500,000 for a single person and 650,000 for a couple.

3. Term of the loan:

The purchase of commercial housing, affordable housing, housing construction funds, the longest loan period is 30 years;

For the purchase of second-hand houses, the sum of the loan period and the completion period of the house shall not exceed 30 years;

The longest loan period for the construction, renovation and overhaul of owner-occupied housing is 10 year.

four

Now the qualifications for buying a house are also available, and the down payment ratio is also clear.

Where should I learn about the house next? How to register? What are the rules for buying a house by lottery?

Let's start.

Take a closer look

Before you know all the details of the purchase, you must first understand the sales process of real estate:

1.Xi Housing and Construction Bureau announces one-bedroom and one-price housing.

2. The pre-sale certificate of saleable buildings will be publicized by the Xi Housing and Construction Bureau.

3. Real estate online registration (registration for 3 days).

4. After the intention registration, if the number of houses is less than the registered number, the houses shall be selected by themselves in the order of intention registration; If the number of houses is greater than the registered number, the houses will be selected by public lottery and in the order of winning.

Judging the qualification of buying a house from the lottery rules;

For specific online registration, please follow the following 10 steps:

Step 1: register online on the official website commercial housing sales publicity platform of Xi Housing and Construction Bureau.

Step 2: the developer reviews the data (the starting and ending time is not less than 3 days and not more than 5 days);

Note: The preparation of specific materials shall be subject to the requirements of the developer, and attention shall be paid to the personal credit report. Lenders can refuse loans for six times in three consecutive months or two years.

In addition, Xi 'an recently investigated the source of down payment. For details, please refer to the following link: unprecedented! Xi' an strictly checks the source of the house payment, which is a refusal!

Step 3: The developer verifies the end of the data. ① If the house is larger than the intended registration number, it will be opened directly without shaking the number; (2) If the number of houses is less than the number of people who intend to register, you need to shake the number, and publicize the list of interested buyers in official website Notary Office of Xi Justice Bureau (not less than 3 days);

Step 4: Shake the number online;

Step 5: publicize the lottery results for at least 3 days;

Step 6: Choose the house according to the notified location (or consult the sales department online for details);

Step 7: publicize the results of house selection for not less than 3 days;

The eighth step: choose the family who bought the house to sign the contract, and the families who did not choose the house and did not shake the number chose other real estate registration intentions;

Step 9: Apply for a mortgage loan;

Step 10: handle the online signing for filing; (The online signing shall be handled in the sales department or the Housing Authority, and shall be filed in the Housing Authority within 30 days after signing the contract. )

five

Buying a house online signing filing process

Online signing means that after the two parties sign the contract, they go to the relevant real estate department for the record and publish it online.

It was completed in the sales department or the housing management department after the developer obtained the pre-sale certificate, the property buyers also met the qualification of purchasing houses, and completed the house selection and signed the contract.

Online signing process: select online signing time-prepare online signing materials-confirm online signing terms-complete online signing.

Filing is to go through the registration formalities with the real estate management department and land management department of the people's government at or above the county level within 30 days from the date of signing the contract.

Filing process: contract filing-review-obtaining filing number-printing contract text-signing and sealing by both parties-completing filing.

Scan the QR code below to inquire about the online signing of the commercial housing sales contract for filing:

It should be noted that the filing is carried out after the online signing is completed, and finally a record number will be returned after the real estate management department reviews it. This record number is unique (many record numbers are contract numbers, please consult the staff of the sales department for details).

Online signing of commercial housing is very important. It is an official channel to prove that the house belongs to the owner and avoid the situation of one room and two sales.

six

Post-delivery cost

Most of the new houses currently on sale in Xi 'an are pre-sale, and the delivery time ranges from 2 to 3 years.

Later, when we closed the house, we still had to pay the following fees.

1, deed tax

2. Housing maintenance fund

Commercial housing maintenance fund deposit standard:

Multi-storey residence (below 7 floors, without elevator): 60 yuan /m2.

Multi-storey residence (with elevator):

90 yuan/m2.

small

High-rise and high-rise residence (above and including 7 floors) 145 yuan/m2.

3, housing property registration fee

4. Regional price difference

According to "commercial housing"

The sales contract stipulates the settlement according to the facts, but the absolute value of the area error ratio is within 3% (including 3%).

5. Stamp duty on license

5 yuan/Ben; Manufacturing cost: 10 yuan/copy.

6. Property fees

Before the house is signed for repossession, the property fee shall be borne by the developer, and the property service fee shall be borne by the purchaser from the date of repossession.

7. Other expenses

Heating fee: it depends on the heating mode and specific price of the community.

Water, electricity and gas costs:

There will usually be a separate card, and the owner only needs to recharge it.

Parking fee:

Some owners need to buy residential parking spaces, and this fee is for the owners who buy parking spaces.

These expenses are generally incurred after the actual check-in, and the payment varies from person to person.

note:

Deed tax and overhaul fund have to be paid. If you don't hand over the house, it is possible that the five certificates of this house are incomplete!

The above is the most comprehensive Xi' an buying strategy!

Take the raiders, I am in no hurry to buy a house. I hope it helps you.

Don't forget to collect and forward, which is convenient for yourself and can help more people!