Dujiangyan second-hand housing transaction policy in 2021?

1. Dujiangyan second-hand housing transaction policy in 2021?

2. Information required by the buyer and seller

Information provided by the seller:

1. House ownership certificate (1 copy, 4 birth certificates) ;

2. Deed tax certificate;

3. ID card (both husband and wife) (2 copies);

4. Husband and wife’s household register (photocopy) 1 copy);

5. Marriage certificate (if lost, it must be reissued by the civil affairs department where the original marriage was registered, other forms of proof will not be recognized);

6. Single or divorced persons Divorce certificate, divorce agreement or civil adjustment document or judgment, proof of divorce and non-remarriage; widowed persons must provide proof of house purchase, and proof of widowed and non-remarried persons; single persons must provide proof of unmarried status (one copy).

Information provided by the buyer: ID card (2 copies).

Remarks:

1. Provide "notarial certificate" for real estate donation, inheritance, entrustment, foreign-related matters and those involving Hong Kong, Macao and Taiwan.

2. The household must provide an "Agreement" when registering for house purchase.

3. For purchases and sales within five years, provide the original copy of the corresponding real estate transfer approval letter and the original tax deduction form.

4. The seller, his wife and the buyer must be present in person during the signature inspection.

5. When applying for a loan, please reserve information in advance, including the original house certificate (including birth certificate), tax certificate, and copies of the ID cards of the buyer and seller.

6. If the house is purchased by the property owner and his spouse first, and then the property owner’s spouse dies, all his children and legal heirs need to be present, and the property owner must first apply for inheritance notarization before handling the transfer. .

2. Chengdu’s new second-hand housing loan policy 2021

Most: Residents whose families have no housing in Chengdu and no housing loan records (including commercial housing loans and provident fund housing loans) For example, 30. A household that does not have a house in Chengdu but has a paid-up housing loan record, a household that has a house in Chengdu but no housing loan record, or a household that has a house in Chengdu but has a paid-up housing loan record. If the housing loan has been paid off, the minimum down payment ratio for ordinary housing is 40, and the minimum down payment ratio for non-ordinary housing is 50. This policy applies to the Chengdu Direct Management District of Tianfu New District, Sichuan, Chengdu High-tech Zone (including the southern park of the High-tech Zone, and the High-tech Zone). District Western Park Hou District, Chenghua District, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District

1. Strictly check the source of the down payment. For example, in the first case, if your down payment. You need to check your bank statements for the past six months; in the second case, you also need to check your parents' bank statements for the past six months. Not only do you need to provide the transfer records of your parents' funds, but you also need to provide the bank statements of the card used for the transfer in the past six months; the third option If the down payment is obtained by selling a house, then please provide a summary of the buyer's property certificate information in the three-party contract.

The first step is to get a loan. When you go to the bank, you need to review the buyer's income certificate and bank statements. Regarding bank statements, many banks now require you to check your statements for six months to one year, and the statement must reflect your salary. Regarding the income certificate, it needs to be at least 2.2 times the monthly debt. and above. Secondly, the bank will also check the credit report, and the overdue loan cannot be 3 consecutive times: the credit report will be within 5 years.

Three, the loan approval period is long. It’s not big. Some banks’ commercial loans and pure provincial provident fund approvals are relatively fast, but generally 1-1.5 batches. Under normal circumstances, the loan period is conservatively estimated to be 6 months. At present, the loan cycle for pure provident fund loans is about 1-1. 3 months; if it is a combination loan, the loan period is about 6 months

3. Chengdu’s new second-hand housing loan policy 2021

The latest Chengdu house purchase loan policy: Residents’ families have a home loan in Chengdu For those who have no housing and no housing loan record (including commercial housing loans and provident fund housing loans, the same below), the minimum down payment ratio is 30.

Families that have no housing in Chengdu but have settled housing loan records, families that have one housing in Chengdu but no housing loan records, or families that have one housing in Chengdu but have paid housing loans The minimum down payment ratio for buying an ordinary house is 40 RMB, and the minimum down payment ratio for buying a non-ordinary house is 50 RMB. This policy applies to Sichuan Tianfu New Area, Chengdu Directly Administered Area, Chengdu High-tech Zone (including the Southern High-tech Zone Park, the Western High-tech Zone Park), Jinjiang District, Qingyang District, Jinniu District, Wuhou District, Chenghua District, Longquanyi District, Xindu District, 12 districts including Wenjiang District, Shuangliu District, and Pidu District. 1. Strictly check the source of down payment. For example, in the first case, if your down payment is your own, then you need to check your bank statements in the past six months; in the second case, if the down payment comes from funds provided by your parents, then you also need to check your parents' bank statements in the past six months. Not only do you need Provide the transfer records of your parents' funds, and the transaction history of the card used for the transfer in the past six months; in the third case, if the down payment was obtained by selling a house, then please provide the buyer's property rights in the three-party contract Certificate information summary. 2. It is difficult to lend money. The first step for a loan is to go to the bank for an interview. The commercial loan interview requires the approval of the buyer's income certificate and bank statements. Regarding bank statements, many banks now require you to check your statements for half a year to a year, and the statement must reflect your salary; as for the income certificate, it needs to be at least 2.2 times the monthly debt payment and above. Secondly, the bank will also check the credit report. It cannot be overdue 3 times in a row or 6 times in a row: 3 times overdue in a row, a total of 6 times overdue. Note: The credit report will be checked within 5 years. 3. The loan cycle is long. Overall, the difference in loan approval time is not big. The approval of commercial loans and pure provincial provident funds of some banks is relatively fast, but the approval can usually be completed in about 1-1.5 months. Under normal circumstances, the conservative estimate of loan time is 6 months. At present, the lending period for pure provident fund loans is about 1-3 months; for combination loans, the lending period is about 6 months.

4. I want to buy a second-hand house (first house) in Chengdu, but the provident fund balance is less than 10,000, how can I get a loan...

Hello, Weijia Anjie answers, provident fund The down payment for both loans and commercial loans is 20:

Use a provident fund loan with an interest rate of 3.87 and a monthly payment of 1,198.30 yuan, with a total interest of 87,593.04 yuan.

Using a commercial loan, the interest rate is 4.158, the monthly payment is 1,228.68 yuan, and the total interest is 94,882.32 yuan.