Is it true that the house tour group is free?

It is not true that the viewing group is free. Because house tour groups are generally organized by real estate developers and local media travel companies, the biggest feature is that they are cheap. Using this feature to attract people with plenty of time and spare money, it is difficult for these middle-aged and elderly people to keep up with the intense schedule of serious tour groups and do not want to miss low-cost tour groups. The mode of room tour is just what they want.

What materials are prepared in advance to buy a house?

1, credit report. Before buying a house with a loan, you must make sure that your credit has no bad record, otherwise the loan may not be approved. At present, the short version of credit information can be inquired through the People's Credit Information Center in official website and China, and the detailed report needs to be inquired at the People's Bank of China or the self-service credit information inquiry outlets. If there are overdue records in the credit report, you can try to communicate with the bank to apply for a non-malicious overdue certificate. If there is an error in the credit report, you can also appeal to the bank. Here, I also remind everyone to pay attention to the credit problem at all times and develop a good habit of repaying on time. After confirming that there is no problem with your credit information, you can prepare the following information with peace of mind.

2. Original and photocopy of ID card and household registration book. Whether buying a house or getting a loan, these materials are necessary. If you have a spouse or children, you should also prepare them. Generally, the bank will make copies for you, and you don't need to bring them separately, but bringing them in advance can save time.

3. Marriage certification materials. Married people get a marriage certificate, unmarried people get an unmarried certificate, divorced people get a divorce certificate, the court verdict of the child's ownership, and divorced people get a divorce agreement. The purchase of a house by a married person, whether it is a name or two names on the real estate license, belongs to the joint property of husband and wife, and the unmarried person is regarded as personal property.

4. Work and salary certificate. These materials are important documents to prove that they have the ability to repay loans, among which the proof of income is the most important, which directly affects the mortgage amount, interest rate and other issues. Generally speaking, the monthly income is twice the monthly repayment amount. In addition, the salary card should be printed for 6 months or 1 year, and remember to affix the official seal of the bank.