How much do you know about buying a house 12?

After the preparatory work for buying a house is over, buyers often worry about signing a purchase contract in the last step of buying a house. When you sign the house purchase contract, will everything be all right after the transaction? Wait a minute, there are still many variables in everything, so you should pay attention to many practical problems. The following 12 questions must be understood after signing the house purchase contract.

1. What is the cost of handling two certificates after the house is delivered?

Answer: You have to pay deed tax to apply for real estate license. Total house price for the first suite below 90m2 1%, 2% for the first suite above 90m2 (inclusive) to140m2, and 4% for the second suite. Maintenance fund fee: 65 yuan/m2 with a total building floor of 6 floors and below; 7- 17 Floor 92 yuan/m2; 18th floor and above 104 Yuan/m2. When handing over the house, it shall be handled according to the measured area, and more refunds and less supplements shall be made.

2. Pay the deposit and sign the contract in a few days?

Answer: Sign the contract within 5 days from the date of deposit payment (subject to the agreed date of different buildings). If there are special circumstances, a written application should be submitted to the developer. If the contract is overdue, it shall be implemented in accordance with the breach clauses agreed by both parties.

3. What information should be prepared for mortgage loan? What is the procedure?

A: All property owners are present and provide ID cards, and borrowers must have good credit information; Provide loan information: ID card, household registration book, down payment invoice, marriage certificate (no marriage certificate, single certificate provided by Civil Affairs Bureau), income certificate (running list or asset certificate is required if the bank needs it), and provident fund deposit slip is required for handling provident fund.

4. Is there a designated bank for the supervision of pre-sale funds, and in which bank is the house purchase loan handled?

A: According to the Regulations on the Management of Commercial Housing Pre-sale, a special fund supervision system is adopted.

5. What is the allocation principle and shared area of each building? Is the latest calculation standard applicable?

Answer: The * * * self-owned building area usually included in the assessed area includes: 1, elevator shaft, pipeline shaft, stairwell, power distribution room, equipment room, public hall, corridor, * * * self-owned house and management room serving the whole building; 2. Half of the horizontal projection area of the wall between the suite (unit) and the public building space (including gables) (the specific allocation area is subject to each public document).

6. Can two people who are not immediate family members buy together? Are there any special requirements?

Answer: It can be purchased by many people, and the distribution of property rights can be confirmed according to the actual situation of customers. The prerequisite must be the qualification of buying a house (except provident fund).

7. Is it possible not to apply for mortgage loan in the bank designated by the developer?

A: No.

8. Can the buyer or owner be changed after signing the pre-sale contract? How to handle it?

A: No, the relationship between husband and wife that the customer did not register in advance when signing the pre-sale contract can increase the number of owners. Other conditions cannot be changed.

9. What are the requirements for commercial loans?

Answer: At least 18 years old, with a stable occupation and income, a legal citizen of People's Republic of China (PRC), and no criminal record.

Can people under 10. 18 buy a house?

A: Yes, one-time payment is not eligible for mortgage.

1 1. How many loan repayment methods are there? What is the difference?

A: Average capital, equal principal and interest.

Matching principal and interest repayment method: during the repayment period, the same amount of loans (including principal and interest) are repaid every month, so that the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.

Average capital Repayment Method: Repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so at the beginning, you will pay more interest because of more principal, so the repayment amount at the beginning is more, and then it will decrease every month. The advantage of this method is that the initial repayment amount is large, which reduces interest expenses and is more suitable for families with strong repayment ability.

12. details of housing loan policy?

A: The down payment for the first suite is 30%, the loan ceiling is 70% and the loan ceiling is 30 years; The down payment for the second suite is at least 40%, and the loan ceiling is 30 years. The specific implementation shall be subject to the bank policy.

(The above answers were published on 20 18-04-25. Please refer to the actual situation for the current purchase policy. )

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