What conditions do you need to buy a house, and what conditions do you need to buy a house

There are several conditions that are required to buy a house with a loan:1With loan qualifications, generally the first and second homes can be loaned, and the bank prohibits loans for the third house.

2.There are down payment funds and a legally valid purchase contract. 3.

Good credit history. The credit poor loan is not approved, or the loan amount is low. 4.

If you have a stable income, your monthly bank statement must be more than 2 times the monthly repayment amount.

What are the conditions and procedures for buying a house with a loan?

What are the requirements for buying a house?

1. The conditions required to buy a house are as follows:

1) A natural person who has reached the age of 18 and has full capacity for civil conduct;

2) The age of the man is not more than 60 years old and the age of the woman is not more than 55 years old at the time of loan maturity;

3) Have a stable and legal occupation and income**, and have the ability to repay principal and interest.

2. Legal basis: Article 210 of the Civil Code of the People's Republic of China.

The registration of immovable property shall be handled by the registration authority where the immovable property is located.

The State implements a unified registration system for immovable property. The scope of unified registration, registration bodies, and registration methods shall be prescribed by laws and administrative regulations.

Article 215.

Unless otherwise provided by law or otherwise agreed by the parties, a contract between the parties relating to the creation, modification, transfer and extinction of immovable property rights shall take effect upon the conclusion of the contract; If the property right is not registered, the validity of the contract shall not be affected.

Second, how to go through the process of buying a house.

The process of buying a house is as follows:

1. Look at the house and choose the house. When choosing a house, buyers should pay attention to the site to check and understand the strength and reputation of the developer. When viewing the property on the spot, the buyer can measure the quality of the community through the inspection, including the community that the developer has seen in the past, the owner's reputation for the developer and the reputation of the developer in the industry.

2. Pay the deposit and down payment;

3. Sign the purchase contract. At this time of payment, the buyer and the seller need to sign the purchase contract, which is an important document to safeguard the rights of the buyer and the seller, so when signing the purchase contract, the buyer should pay attention to whether there are blank clauses in the contract, and see whether their obligations and rights are equal for the supplementary agreement in the contract;

4. Apply for real estate certificate. After the purchase of the house, the buyer also needs to apply for the property right certificate, and the new house for the real estate certificate is also an important part of the house purchase, only the buyer can have the complete property rights of the house after having the real estate property certificate, and most of the real estate property rights certificate is organized by the developer to the real estate management department for processing.

Legal analysis: The conditions that need to be met to buy a house are: 1. According to the different housing purchase policies in various places, when the parties buy a house locally, they need to have the original and copy of the marriage certificate issued by the civil affairs department, or the marriage relationship certificate; If the husband and wife need to buy a house, they need both parties to bring their own documents and the house sale contract, and jointly apply to the real estate transaction management department for the transfer of ownership of the house, and the staff of the management department will check the relevant documents and property rights, and approve and register the house that meets the listing conditions; 2. If the parties buy houses in other cities, they should apply for relevant documents according to the different requirements of the city; 3. The real estate transaction management department can go through the deed formalities according to the property rights of the transaction house and the object of purchase, and after the approval authority set by the transaction department in advance, the two parties to the transaction can go through the deed formalities.

Legal basis: "Measures for the Administration of the Sales of Commodity Housing" Article 16 When selling commercial housing, the real estate development enterprise and the buyer shall enter into a written contract for the sale and purchase of commercial housing. The contract for the sale and purchase of commercial housing shall specify the following main contents:

1) The name or address of the parties; (B) the basic condition of commercial housing; (C) the way of sale of commercial housing; (4) The method of determining the price of the commodity and the total price, the method of payment, and the time of payment; (5) The conditions and date of delivery and use; (6) Commitment to decoration and equipment standards; (7) Commitments for the delivery of supporting infrastructure and public facilities such as water supply, power supply, heating, gas, communications, roads, and greening, as well as related rights and responsibilities; (H) the ownership of public supporting buildings; (9) the way in which the area difference is handled; (10) Matters related to the registration of property rights; (11) the method of dispute resolution; (12) Liability for breach of contract; (13) Other matters agreed upon by both parties.

Buying a house is a major event in life, some people buy a house for their own residence, and some are for investment, so before buying a house, you should understand the relevant regulations on the conditions for buying a house, so what conditions do you need to buy a house? Let's take a look.

1. What conditions do you need to buy a house?

1. If the buyer is a legal resident of Chinese mainland, and has reached the age of 18, and also has full capacity to change the behavior of the people, then you can buy the house.

2. When buying a house, you can pay the full amount of the house in one go, or you can take out a mortgage loan to buy a house.

3. If the full payment of the house is paid in one lump sum, then the buyer has no restrictions on the conditions for buying a house.

4. If it is a mortgage loan to buy a house, then the buyer needs to meet the following conditions:

1) The buyer has a stable economic income, a good credit history, the ability to repay the principal and interest of the loan, and can provide their own real and credible income documents.

2) The number of years the buyer has applied for the loan plus the actual age of the buyer and cannot exceed 60 years old.

3) If there are co-owners of the mortgage loan to purchase the house, then one of the parties must be identified as the main applicant for the loan, and the main applicant must meet the specified conditions for buying a house.

4) The sum of the years of the mortgaged property plus the mortgage loan term shall generally not exceed 30 years.

5) The lender and the seller must sign the "Real Estate Sale and Purchase Contract" and need to pay a down payment of not less than 30% of the purchase price.

6) Other conditions stipulated by the bank.

2. What materials do you need to buy a house?

1. If the full payment of the house is paid in one lump sum, then the buyer only needs to show his ID card.

2. If you buy a house with a mortgage loan, you need to provide the following information:

1) The original and photocopy of the ID card of the lender and the spouse, and 3 originals and photocopies of the household registration book. If the husband and wife are not in the same household, then proof of marital relationship is also required.

2) The original of the "Real Estate Sale and Purchase Contract".

3) The borrower has paid 20% or more of the purchase price of the advance payment receipt, 1 original and 1 photocopy.

4) Proof of the borrower's family income and relevant assets, including: salary slips, individual income tax bills, income certificates issued by the unit, bank certificates of deposit, bank statements for half a year, etc.

5) 1 copy of the developer's bank account number.

The buyer should follow the conditions for buying a house stipulated in the place where the house is located, and only those who meet the requirements of the house purchase can buy a house. The above is an introduction to what you need to buy a house, bring this and what materials you need to buy a house, and you should learn more about it if you want to buy a house.

1. What are the conditions for buying a house?

1. The conditions for buying a house are as follows:

1) According to the different housing purchase policies in different places, when the parties buy a house locally, they need to have the original and photocopy of the marriage certificate issued by the civil affairs department, or the marriage relationship certificate;

2. If the parties buy houses in other cities, they should apply for relevant documents according to the different requirements of the city;

3. The real estate transaction management department can go through the deed formalities according to the property rights of the transaction house and the object of purchase, and after the approval authority set by the transaction department in advance, the two parties to the transaction can go through the deed formalities.

2. Legal basis: Article 16 of the Administrative Measures for the Sales of Commodity Housing.

When selling commercial housing, the real estate development enterprise and the buyer shall enter into a written contract for the sale and purchase of commercial housing.

The contract for the sale and purchase of commercial housing shall specify the following main contents:

1) The name or name of the party and the domicile.

(B) the basic condition of commercial housing;

(C) the way of sale of commercial housing;

(4) The method of determining the price of the commodity and the total price, the method of payment, and the time of payment;

(5) The conditions and date of delivery and use;

(6) Commitment to decoration and equipment standards;

7) Commitments and related rights and responsibilities for the delivery of supporting infrastructure and public facilities such as water supply, power supply, heating, gas, roads, and greening.

(H) the ownership of public supporting buildings;

(9) the way in which the area difference is handled;

(10) Matters related to the registration of property rights;

(11) the method of dispute resolution;

(12) Liability for breach of contract;

(13) Other matters agreed upon by both parties.

Second, what are the precautions for nuclear preparation and house purchase?

1. If you are buying a new house, you should pay attention to whether the developer has all five certificates;

2. If you buy a second-hand house, you should pay attention to whether the seller is the owner of the house, whether there is a co-owner of the house, and whether the co-owner agrees to sell the house;

3. Pay attention to whether the terms in the purchase contract are reasonable and legal.

Legal analysis: According to the different housing purchase policies in different places, when the parties buy a house locally, they need to have the original and copy of the marriage certificate issued by the civil affairs department, or the marriage relationship certificate; If the husband and wife need to buy a house, they need both parties to bring their own documents and the house sale contract, and jointly apply to the real estate transaction management department for the transfer of ownership of the dust house of the Housing Crack Bureau, and the staff of the management department will check the relevant documents and property rights, and if they meet the requirements, they will be allowed to handle and register.

Legal basis: "Measures for the Administration of the Sales of Commodity Housing" Article 16 When selling commercial housing, the real estate development enterprise and the buyer shall enter into a written contract for the sale and purchase of commercial housing.

The contract for the sale and purchase of commercial housing shall specify the following main contents:

1) The name or address of the parties;

(B) the basic condition of commercial housing;

(C) the way of sale of commercial housing;

(4) The method of determining the price of the commodity and the total price, the method of payment, and the time of payment;

(5) The conditions and date of delivery and use;

(6) Commitment to decoration and equipment standards;

7) Water supply, power supply, heating, gas, communications, roads, greening and other supporting infrastructure and public facilities delivery commitments and related rights and responsibilities.

(H) the ownership of public supporting buildings;

(9) the way in which the area difference is handled;

(10) Matters related to the registration of property rights;

(11) the method of dispute resolution;

(12) Liability for breach of contract;

(13) Other matters agreed upon by both parties.