What are the preferential policies for buying a house?

The preferential policies for buying a house are actually different, but generally speaking, buying a house this year is really more cost-effective, because it is really more favorable to buy a house with loans this year. First of all, many places have basically cancelled the policy of restricting purchases and loans, so that the threshold for everyone to borrow money to buy a house will be greatly reduced. Secondly, the interest rate of buying a house by loan this year has also dropped significantly, which is about 20 basis points lower than last year, which means that the interest generated when buying a house by loan this year will be less, and the cost of buying a house by yourself will be greatly reduced.

How to apply for housing subsidies?

1. Obtain the qualification of affordable housing, apply for subsidized house purchase, obtain the qualification certificate after examination and approval, and receive the authorization letter from the local government to subsidize the amount of house purchase.

2. Sign a formal house purchase contract with the real estate agent, and submit a letter of authorization for the amount of local government subsidies to the real estate agent, fill in the relevant contents and affix the official seal.

3. Submit the formal purchase contract and the authorization letter of the local government subsidy amount to the housing security management department for confirmation.

4. Real estate developers shall, on the basis of the purchase contract and qualification certificate on a quarterly basis, receive the authorization letter of government purchase subsidy and settle the subsidy with the housing security management department.

After signing the house purchase contract and paying the down payment, can I check out?

After signing the purchase contract and paying the down payment, you can return the house under certain conditions. If the signed purchase contract does not comply with the law, or the contract is invalid due to other circumstances, you can return the house and ask the developer to refund the down payment; When the developer and the buyer reach an agreement to terminate the house purchase contract, they can return the house and return the down payment to the buyer; After signing the house purchase contract, if the developer fails to perform the obligations as agreed in the contract, resulting in the termination of the contract, the buyer may return the house and ask the developer to refund the down payment and compensate for the losses.

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