What information do you need to provide to buy a house, and what information do you need to buy a ho

1. What information do you need to provide to buy a house?

1. The information that needs to be provided to buy a house is:

1) If you are married, you need to bring the marriage certificate, ID card, and household registration book of both husband and wife;

2) If you are single, you need to bring your ID card, household registration booklet and single certificate.

2. Legal basis: Article 16 of the Interim Regulations on the Registration of Immovable Property.

The applicant shall submit the following materials and be responsible for the authenticity of the application materials:

1) Application for registration;

2) Identification materials and power of attorney of the applicant and ** person;

4) Materials such as the site, spatial boundaries, and area of immovable property;

5) Explanatory materials on the interests of others;

6) Other materials provided for by laws, administrative regulations, and detailed rules for the implementation of these Regulations.

2. What is the process of checking out of commercial housing?

The check-out process of a commercial house is as follows:

1. Issue a notice of termination of the contract to the developer. If the developer agrees, the two parties shall negotiate to deal with matters such as the return of the house, refund, compensation for losses, etc. If the developer does not agree, it shall file a lawsuit with the people's court under its jurisdiction in accordance with the law, requesting that the contract be terminated and the developer shall compensate for the relevant losses, and the court shall make a judgment;

2. Terminate the secured loan contract. After the termination of the purchase contract, the applicant may request the lending bank to terminate the loan contract secured by the commercial housing;

3. The purchase money returned by the developer will be returned to the bank with mortgage rights in priority.

Married: Marriage certificate, ID card, and household registration book of both husband and wife. Single: ID card, household registration booklet, single certificate.

If you need a loan to buy a house, you also need to prepare additional income certificates and bank statements.

Buying a house refers to the purchase of commercial housing from real estate agents or other development units, or the purchase of second-hand housing from other property owners, obtaining detailed information about the house through advertising, and then deciding to buy after comparison.

Legal analysis: 1. ID card (resident ID card, household registration book or other valid residence certificate), marriage certificate, provident fund account, social security or tax payment certificate: If it is a husband and wife to buy a house loan, it is necessary to prepare the household registration booklet, ID card and copy of the borrower's husband and wife (co-owners).

2. Letter of intent, agreement or other approval documents for the purchase of housing contract in accordance with the regulations. 3. The borrower's deposit certificate and copy of the first installment of the housing payment. 4. The list of collateral or pledges, the certificate of ownership, and the certificate of consent of the person with the right to dispose of the mortgage, the pledge certificate and the certificate of the valuation of the collateral.

5. Proof of income (or bank statement, proving that the monthly income is more than twice the monthly payment of the loan).

Legal basis: "Measures for the Administration of Commercial Student Loans" Article 17 When accepting the borrower's application for commercial student loans, the lender shall require the other party to submit a written loan application, fill in the relevant application**, and submit the following documents, certificates and materials:

1) The borrower's legal identity documents (including: ID card, household registration booklet or other valid residence certificates), and provide copies of the above documents;

2) Proof of the relationship between the borrower and its legal entity required by the lender;

3) Proof of economic income of the borrower or his/her family members;

4) If the borrower is a new student, the borrower shall provide the admission notice or acceptance letter of the school where the borrower is attending, and if the borrower is already in school, the borrower shall provide a student ID card or other proof of student status;

5) Relevant materials on the total amount of tuition, accommodation and living expenses required by the borrower's school during the study period;

6) Where property is used as collateral (pledge), the mortgage (pledge) certificate and the commitment signed by the owner (including the co-owner of the property) to agree to the mortgage (pledge) shall be provided, the value appraisal report issued by the institution recognized by the lender shall be submitted for the collateral, the certificate of rights shall be provided for the pledge, and if the third party is guaranteed, the written document of the guarantor's agreement to assume the irrevocable joint and several liability guarantee and relevant credit certification materials shall be issued;

7) The borrower and the guarantor shall issue and sign a written authorization in person, agreeing to the bank's inquiry into their personal credit information;

8) Other supporting documents and materials required by the lender.

The information required to buy a house is a marriage certificate or a single certificate, an ID card or personal ID card of both husband and wife, a household registration book, a social security or tax payment certificate, a certificate of the first home purchase, and a provident fund account; If you take out a loan to buy a house, you also need a copy of the copy of the unit's business license with the official seal, income certificate, and salary card statement (one year or half a year, different banks, different needs).

There are "three things to keep in mind" when using the provident fund to buy a house:

First, the provident fund cannot be used directly as a down payment for a house. If citizens want to buy a house through a housing provident fund loan, they need to consume first and then withdraw, that is, pay the down payment first, and then bring their ID cards or household registration books of themselves or their husband and wife, and if they are married, they need to provide marriage certificates and other supporting materials to the local housing provident fund management center to withdraw the balance stored in their provident fund.

Second, the total amount of CPF withdrawals cannot exceed the total amount of housing payments. For example, if a citizen takes out a loan to buy a house with a total price of 200,000 yuan, and his provident fund balance is 300,000 yuan, he can only withdraw 200,000 yuan of provident fund, and the remaining 100,000 yuan of provident fund cannot be withdrawn.

Third, after settling the provident fund loan, you can use the liquid slag accumulation fund to buy a house. Whether it is a CPF loan before or after marriage, if one of the spouses has taken out a CPF loan, there will be a corresponding record on the CPF center system, and the husband and wife can no longer use the CPF loan to buy a second home before the last loan is repaid. However, if the provident fund loan for the first house has been settled, and the husband and wife use the provident fund loan to buy a house again, it is still regarded as the first time to buy a house, and it is not subject to the policy restrictions on the second suite.

You need to prepare your ID card, household registration booklet, marriage certificate, social security deposit or individual income tax payment record; For the purchase of commercial housing, there is no need to conduct a house purchase qualification review before signing online; Commercial loans: proof of income, bank statement, ID card, etc. are required. CPF Loans:

Provident fund loan preliminary examination materials are required. The details are as follows:

1. For the purchase of a residence, the qualification verification will be done during the subscription stage, and the materials submitted for the qualification review include the ID card, household registration book, marriage certificate, social security deposit or individual income tax payment record, and the residence permit for non-municipal household registration. Since the online signing materials overlap with the purchase qualification review materials, the buyer is generally only required to bring the subscription letter, deposit receipt, and bank card when signing online.

2. For the buyer of commercial housing, there is no need to conduct a house purchase qualification review before the online sign, so the materials that need to be brought by the online sign: ID card, household registration book, marriage certificate, residence permit (Beijing), social security deposit or individual income tax payment record, subscription letter, deposit receipt, bank card.

3. In addition to the above materials, you also need to bring the relevant materials of the loan.

1) Commercial loans: income certificate, bank statement, ID card, household registration book, academic certificate (if necessary).

2) Provident Fund Loan: Preliminary examination materials for provident fund loans, ID card, household register, marriage certificate, highest education certificate, and provident fund payment details.

Things to note when buying a house:

1. Pay attention to funds.

When buying a house, the first thing to consider is the issue of funds, and if you don't have the funds to buy a house, everything is in vain. In addition to the down payment in the early stage, the loan repayment problem should also be clearly planned to avoid the situation of buying a house but not being able to repay the loan.

2. Pay attention to the five certificates.

Whether you buy a house through a real estate agent or through a sales office, you must first look at the other party's documents. Developers need to have five certificates, namely "Commercial Housing Liang Zhao Sales (Pre-sale) License", "Construction Project Construction Permit", "Construction Project Planning Permit", "Construction Land Planning Permit", and "State-owned Land Use Certificate".

3. Pay attention to the details of the real estate.

In many cases, in addition to paying attention to the first-class, regional, and supporting aspects, it is easier for people to ignore the details of the real estate, such as the ratio and use of parking spaces, the design of underground garages, the spacing between buildings, the living environment and atmosphere of the community, and so on. And these details will have a greater or lesser impact on the future life of the buyer, so it must not be ignored.

Legal basis

Interim Regulations on the Registration of Immovable Property

Article 16 stipulates that the applicant shall submit the following materials and be responsible for the authenticity of the application materials: (1) the application for registration; (2) Supporting materials and power of attorney for the applicant and ** person; (3) Relevant real estate ownership certificates, registration reason certificates, and real estate ownership certificates; 4) Materials such as the site, spatial boundaries, and area of immovable property; 5) Explanatory materials on the interests of others; 6) Other materials provided for by laws, administrative regulations, and detailed rules for the implementation of these Regulations.

1) One-time payment customers need to bring the following information:

1. The original and copy of the buyer's ID card;

2. Proof of purchase issued by the relevant unit. (Restricted cities need to issue room inspection information).

3. Minor children should bring their ID cards or household registration books, as well as their guardians' ID cards and household registration books.

2) Customers applying for commercial mortgage loans need to bring the following information:

1. The identity of the buyer's husband and wife;

2. Hukou booklet (collective hukou needs to go to the public security bureau to open a permanent resident population information form).

3. Marriage certificate, single certificate (not required in some cities), divorce certificate and divorce agreement, or court judgment.

4. The housing inquiry form issued by the Housing Authority is required in the restricted cities;

5. Valid income certificate issued by the employer of both husband and wife;

6. Salary bank statement (nearly three months), or proof of assets.

7. The main borrower needs to apply for a bank card of the lending bank.

8. The credit information of the People's Bank of China, and the credit information of both husband and wife provided by married customers.

9. A copy of the deposit receipt and the receipt of the down payment.

3) Customers applying for CPF mortgage loans are required to bring the following information:

1. The identity of the buyer's husband and wife;

2. Hukou booklet (collective hukou needs to go to the public security bureau to open a permanent resident population information form).

3. Marriage certificate, single certificate (not required in some cities), divorce certificate and divorce agreement, or court judgment.

4. Provident fund inquiry deposit form, if one of the husband and wife does not have a provident fund, it is necessary to issue an income certificate issued by the unit.

5. Housing information inquiry form issued by the provident fund center (in some cities, the housing bureau issues the housing inspection information, which is subject to local policies.) ）

6. The main borrower needs to apply for a bank card of the lending bank (which can be a provident fund card).

7. The credit information of the People's Bank of China, and the credit information of both husband and wife is provided by married customers.

8. A copy of the deposit receipt and the receipt of the down payment.

Legal Analysis: The down payment for the first home should not be less than 30% of the total purchase price. Married persons need to prepare a marriage certificate, household registration booklet, income certificate, a copy of the company's business license with the official seal, a salary card process, and the ID cards of both husband and wife.

If the loan is taken out by two people, the spouse also needs to show proof of income, household registration booklet, marriage certificate, business license of the unit, a copy of the license with the official seal, and salary flow.

Legal basis: Civil Code of the People's Republic of China

Article 209 The creation, alteration, transfer and extinction of real estate rights shall take effect upon registration in accordance with law; Without registration, it shall not take effect, unless otherwise provided by law.

The ownership of natural resources that belong to the State in accordance with the law may not be registered.

Article 210 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.