What should the purchasing process be like?

The stage of viewing the house is mainly your early selection process, which can be decided with your family, mainly to determine the qualification, location, total price and down payment, apartment type and area.

About Qualification (33 1 New Deal)

1. 1. For non-local registered households with houses of 1 or above, local registered households with two or more houses, and adult single households with houses of 1 or above (including unmarried and divorced), the purchase of newly-built commercial housing and second-hand housing in this city is suspended (except Binhai New Area). ?

1.2. If a non-registered household purchases a house in this city, it is required to provide proof that it has continuously paid social insurance or personal income tax in this city for more than two years within three years. The paid social insurance or personal income tax certificate shall not be used as a valid certificate for purchasing a house.

About the down payment,

30% for the first set and 60% for the second set.

The first set of identification: there is no house in Tianjin and no loan in the whole country.

Two sets of identification: having a house in Tianjin or having borrowed money from other provinces and cities are two sets.

(The above houses and loans refer to 70-year residential properties and loans. )

2 housing selection stage

The main stage of choosing a house is that you understand other situations and enter the substantive stage. This time you mainly focus on developers, transportation, surrounding facilities and future planning. Small points mainly focus on apartment type, orientation, occupancy rate, floor, residential property, location of building in residential area and heating mode (floor heating or wall-hung boiler).

Developers: the quality of large developers is guaranteed, and the later property can keep up.

Transportation: self-driving and business trip (bus and subway)

Floor: The higher Beijing is, the more expensive it is, and the second floor is the most expensive. The middle floor in Tianjin is a little more expensive, and the sides are gradually decreasing.

The occupancy rate: at present, about 7 1% to 75% for high-rise buildings and about 80% for villas.

Business, hospital, school, vegetable market, bank.

3 reservation

Prior to this, developers may have activities such as capital verification, arranging cards and upgrading cards, but these things are not legally binding.

An appointment means that you have chosen a house. Appointment is also called subscription. Usually you pay a deposit (1 0,000 to 50,000). Paying the deposit means that you have chosen a house and will definitely buy it. The deposit is generally non-refundable.

The general developer will give you the subscription book, receipt and POS, which must be kept away.

4 Sign the contract (the most important thing)

Signing a contract is to apply for a loan and sign a contract.

At present, because loans are getting more and more difficult, developers will ask for loans before signing the contract, and you can sign the contract only after you confirm that it can be approved.

Place to handle the loan: business department or designated branch. Banks usually set up offices in the sales offices.

Signing place: sales office or signing center, mostly in the sales office.

Apply for a loan at the sales office and sign a contract, and it will be done in one day. If it is fast, two or three will be almost the same.

What you need to bring when signing a contract: (All the following requirements are original, the family is for two people, and the singles are for one person)

household registration

If it is a collective account, the original personal page and the copy of the first page are stamped with the official seal.

If you pay taxes to buy a house for two years, you need a tax payment certificate.

identity card

marriage certificate

Proof of income (every bank has a fixed template)

Private seal

Wages are mobile? (Just opened the card, nearly half a year or nearly a year)

Provident fund deposit list (printed by provident fund management center, not required)

Credit report (I have to print my daily ID card at work)

It must be printed in the People's Bank of China and its branches. There are two locations in Tianjin.

1 Address:No. 1 17, Jiefang North Road, Heping District, Tianjin

& ampnbsp 022-23209723； 022-23209999

No.59 Xincheng East Road, Tanggu Development Zone, Tianjin

Subscription book, receipt and POS at the time of booking.

Currency part (general situation)

Down payment, deed tax, Gong Wei (1 min) and production cost (80 yuan).

Deed tax algorithm (total house price divided by 1.05 multiplied by specific points)

5 delay waiting

The next step is to wait for the bank to grant loans. In the meantime, please don't jump ship, don't overdue your credit card, and don't make large consumer loans.

Please repay the loan on time after receiving the bank loan text message, and then wait for the house to be closed.

The above is the new house purchase process organized by Juli New House for you, and I hope it will help you. The content involved is more general. If it is special, please handle it specially. Please correct me if it is wrong.

All your transactions are conducted directly with the developer, and we are not involved in the process of pricing and trading. You are welcome to recommend us to your friends. Your recognition is our greatest encouragement.