What are the requirements for a down payment to buy a house!

If it is a local household registration, you need a household registration book, ID card, unmarried certificate (issued by the Civil Affairs Bureau where the household registration is located) or marriage certificate, income certificate (find a unit or private company to open and affix the official seal, but you must contact it, because the bank will call ** to ask) and the last six months of the account (the bank card will be played at the opening bank, and the passbook can be copied directly) The income certificate and the account must be more than twice the monthly payment. If you are a foreign resident, in addition to the above, you must have local social security for more than one year or proof of tax payment for more than one year before you can take out a loan to buy a house. If the first house is at least 3 percent, the second home down payment is at least 6 percent.

Buyers need to provide their original ID card and copy, the home page of the household register, the home page, the page of the person, the unmarried to provide a single certificate, as well as the income certificate, even if it is a temporary worker, but also to find a way to open an income certificate, private enterprises can also be, the income filled in must be more than 2 times your monthly repayment, if married, both husband and wife need to provide the above information (in addition to the single certificate), as well as a marriage certificate. The down payment for your first home is 30%, and for your second-hand home, it should be 50%.

ID card, household registration booklet, marriage certificate original and photocopy If you don't have a marriage certificate, go to the civil affairs bureau where your household registration is located to open one. (Note that the general validity period is 1 month) There is also a proof of income, generally you just find a unit to stamp a seal, leave a fixed ** (must be fixed) on it, and someone will fill it out for you. For new houses and second-hand houses, if you are the first house, the minimum down payment is 3 percent, and the second house is at least 6 percent.

Bank credit should be good.

Hukou booklet, ID card, marriage certificate. (If you are unmarried, you need to provide a single certificate) original and photocopy, proof of income, self-employed need to be a running account "The running account and income certificate must be more than twice the monthly repayment amount to be valid. The above is the information required for local accounts!

For non-local accounts, you need to provide local social security for more than one year or tax bills for more than one year. You can go to the bank to apply for a loan! First home buyers now have a down payment of 3%.

Two sets of 6 into it. Three sets of loan suspensions! Limited to one set.

in a family unit).

The mortgage for the first home can be 2% down payment (some places require a down payment of 3%. The first home recognized by the bank is the first time you have purchased a home with a loan from the bank. If you have bought a house before, but have not applied for a mortgage or loan in any bank, then when you buy another house and take out a loan from the bank, the bank will also recognize the house you bought as the first house, and the down payment is 2%.

If you have previously bought a house and taken out a loan, and the loan has been paid off (or is being repaid), under such conditions, your refinancing to buy a house will count as a second mortgage, but if your first mortgage has been sold and you and your spouse and minor children do not have a home in your name, refinancing to buy a house can also count as a first home. No matter what account you have, you can make a down payment of 2% if you meet the conditions. The property owner must be a lender, if you want to buy a house for your children, then they must have proof of income, the bank will lend, if you buy a house for your children, the property owner is you and your children, then as long as one person has had a bank mortgage loan house, then you can't enjoy the down payment 2 Cheng De treatment.

Nowadays, in the face of such high housing prices, many consumers are appealing that they cannot afford to buy a house, even if they only need to pay a down payment of two or three percent, it is very difficult. For this reason, developers will sell their houses as soon as possible, and they will use the gimmick of "zero down payment" to attract consumers. So, what are the conditions for buying a house with 0 down payment?

Let's find out together!

1. What are the conditions for buying a house with 0 down payment? The forest hall is good.

1.In the place where the bank needs to take out the loan, you must have a permanent residence, a fixed residence or a valid residence certificate, and you must be between the ages of 18 and 65, and you must also be a citizen with full civil capacity. In addition, buying a house with zero down payment also requires a stable income and a decent job, and must have the ability to repay the principal and interest of the loan on time.

2.The borrower must have a good willingness to repay and a credit history, and at the same time must not have a bad credit history. and must provide a valid, reliable and legal guarantee that is recognized by the bank; There is a clear need for a loan, and it must also meet the relevant regulations in the purpose of the loan and other conditions stipulated by the bank.

3.It should be noted that there are certain differences in the zero down payment guarantee method, loan amount, loan term, housing loan object, etc. launched by Agricultural Bank of China and Industrial and Commercial Bank of China.

Therefore, consumers who want to get a loan should pay attention to the fact that they must compare with each other before choosing the right product for themselves.

2. Is it risky to buy a house with zero down payment?

1.We all know that buying a house with zero down payment must comply with the country's loan regulations, and if the policy of buying a house changes after a year, then the owners need to bear all the risks themselves.

2.If the terms of the landlord's loan are not approved by the bank, then it is a big question whether the developer is willing to refund the purchase price you paid.

Summary: The above has introduced to you what conditions are required to buy a house with 0 down payment and whether it is risky to buy a house with zero down payment, hoping to give you some small help. If you want to know more about buying a house with zero down payment, you can continue to lock in our **!

There are no requirements for a down payment on a house, as long as you have the funds to make a down payment. The down payment is the minimum proportion of the first payment made in proportion to the state when buying a house, of course, the payment can be higher than this amount, but it cannot be lower than it, and the rest is borrowed from the bank.

Generally speaking, if you choose to buy a house with a mortgage loan, you can pay the down payment to the real estate developer after signing the commercial housing sales contract, including the commercial housing pre-sale contract, and the developer will issue a down payment receipt. Then, the buyer can apply for a mortgage loan from the bank with the purchase contract, down payment receipt, etc.

What kind of house are you going to buy?

Because each place is different, so I take Beijing as an example: according to the Beijing Municipal People's Office 1999 No. 4 document, the development and construction unit should go to the Municipal Bureau of Land Resources and Housing to handle the "Beijing Affordable Housing Sales License", the developer sells affordable housing, the implementation of the first price limit policy, the development and construction unit can only adjust the different floors and the direction of the house within the maximum price limit. The specific procedures are as follows: (1) Residents who purchase affordable housing shall go through the procedures for purchasing houses at the development and construction unit with the certificate of annual family income of less than 60,000 yuan issued by the unit or relevant departments, the permanent residence card of urban residents in this city, and the resident ID card.

2) If a loan is required, the purchaser shall go through the mortgage registration procedures with the housing and land management department where the construction project is located with the registered affordable housing pre-sale (sale) contract, and the housing and land management department shall complete the mortgage registration procedures within 15 working days after registration. (3) The buyer and the seller shall go through the property right transfer procedures and handle the real estate ownership certificate at the housing and land management department where the construction project is located within 30 working days after the house is delivered. Among them, the purchase of affordable housing built by the unit using its own land shall be unified by the unit to the housing and land management department to go through the above procedures.

Eligibility. 1.Must apply in the name of the family. 2.

The applicant family members must include the spouse and minor children, and the relationship between the applicant family members must be husband and wife or parent-child relationship. 3.All family members of the applicant have a household registration in the city, work and live in the city, and at least one of them has obtained the household registration in the city for at least 3 years.

4.The annual household income is lower than the standard of "50,000 yuan for 3-person households or less, 60,000 yuan for 4-5 person households, and 70,000 yuan for 5-person households". 5.

Household assets are less than 6 times the standard for low- and middle-income families, including real estate, cars, valuable**, investments (including shares), and deposits (including cash and loans). 6.Families do not have a house or the per capita floor area of housing is less than 12 square meters.

If you have any of the following circumstances when applying for the purchase of affordable housing, you cannot apply for or participate in the application for the purchase of affordable housing. 1.Within five years [6] prior to the date of application, there has been a purchase or ** real estate.

2.By purchasing a commercial house or settling down as a commercial house **person. 3.

Those who settle down in the form of refuge with their children. 4.Before the divorce, he has enjoyed the ** housing preferential policy.

5.The divorce has been less than 2 years.

Commercial housing is simple (take Xi'an as an example); 1. Household income is lower than the average level in Xi'an.

2. Married. 3. Social security in Xi'an for 5 years.

That's pretty much it.

Buyers need to provide their original ID card and copy, the home page of the household register, the home page, the page of the person, the unmarried to provide a single certificate, as well as the income certificate, even if it is a temporary worker, but also to find a way to open an income certificate, private enterprises can also be, the income filled in must be more than 2 times your monthly repayment, if married, both husband and wife need to provide the above information (in addition to the single certificate), as well as a marriage certificate. The down payment for your first home is 30%, and for your second-hand home, it should be 50%.

Here are a few things you need to prepare for a down payment:

1. Subscription letter and deposit receipt.

2. ID card, household registration booklet, marriage certificate.

3. Tickets. If you want to sign a mortgage, you need proof of income, credit report, and bank statement.

What are the requirements for buying a house?

How to buy a house with a low down payment.

Answer 1: Buying a house with zero down payment is risky, and the buyer will pay off the down payment within a certain deadline. The developer will also charge a certain processing fee for most of the zero payment, and the developer will require the buyer to pay off the entire down payment on the mortgage within one year. You need to be cautious when handling zero down payment, and the lawyer said that the practice of buying a house with zero down payment and low down payment is strictly speaking suspected of fraudulent loans.

2. Zero down payment does not mean that buyers do not have to pay for a down payment. It is really paid in advance by the developer or real estate agent; Presumably a fake to raise housing prices; Take out more loans from the bank to get a down payment. It is important to note that buying a home with zero down payment is not in line with the policies of the country and the bank.

Accept zero down payment; Customers who also need to take out a loan from a bank to buy a house.

The developer privately accepts zero down payment; There is no policy requirement that the down payment ratio of the first housing loan shall not be less than 30% and the down payment ratio of the second housing loan shall not be less than 60%; Contrary to the policy of the state. At the same time, due to the fact that the lender did not actually deliver the down payment.

Hello question, thank you, teacher.

1. Chinese citizens who have a fixed residence, permanent residence or valid residence certificate in the place where the lending bank is located, aged 18-65 (inclusive), and have full capacity for civil conduct. 0 down payment to buy a house, have a legitimate job and stable income, and have the ability to repay the principal and interest of the loan on time.

Have a good credit history and willingness to repay with a down payment to buy a house, and have no bad credit history.

3. Able to provide legal, effective and reliable guarantees recognized by the bank.

4. There is a clear purpose of the loan, and the purpose of the loan meets the relevant regulations.

5. Other conditions stipulated by the bank.

ICBC, ABC and other banks have launched their own zero down payment business in terms of guarantee method, loan term, loan amount, loan object, etc., and buyers who want to borrow should pay attention to it, compare with each other and choose the product that suits them.

1. The truth of "zero down payment".

The so-called "zero down payment" means that the buyer pays the down payment by the developer or the guarantee intermediary ** when buying the house, and repays the down payment on a regular basis without interest or at low interest every month in accordance with the agreement between the buyer and the developer or the intermediary.

However, in addition to the down payment, the remaining balance of the house purchase is still the buyer who applies for a loan with the bank mortgage and repays the loan on time every month. Then, home buyers will face the impact of financial pressure on the down payment, monthly payment, and taxes paid at the time of delivery.

Second, the risk of buying a house with "zero down payment".

1. Violating the house purchase policy and not being able to actually own the house.

The developer's use of "zero down payment" marketing tactics violates the policy requirements of the first housing loan to be less than 30% and the second housing loan to be no less than 60%.

At the same time, since the buyer does not actually pay the down payment, it is impossible to truly own the ownership of the house purchased, and the bank will issue a loan, which will inevitably increase the risk of the bank loan.

2. Legal risk 1.

If you are not a qualified homebuyer (have purchased more than two homes; or foreign buyers, unable to issue more than one year of social security certificate or tax certificate) after signing a "zero down payment" purchase contract with the developer, will face the embarrassing state of invalid purchase, and the down payment repaid to the developer or intermediary on time may face the situation that it cannot be recovered.

3. Legal risk 2.

Since the actual "zero down payment" is obtained by the developer or intermediary through advance payment, or virtual inflated housing prices, and mostly from bank loans, then the contract signed between the developer and the buyer may also be subject to legal disputes, and the parties may even be held criminally liable.