What should I pay attention to when buying two new homes?

1. Pay attention to policy regulations. Understand how the specific time of the local real estate policy is stipulated, and determine whether you have the local qualifications to buy a house and the loan policy for the second home. Including the interest rate of the first home loan, the interest rate of the second home loan, the interest rate of the new commercial house, the interest rate of the second-hand house, etc.

2. Pay attention to the way you get a loan. Be sure to pay attention to the choice of loan method, if you have paid personal provident fund for home buyers, you can also consider using a provident fund loan. If you buy the first set of commercial loans, then you can apply for a provident fund loan when you buy a second house.

3. Be cautious when signing a contract. You must know that the purchase contract is an important document to protect the rights and interests of buyers, whether it is to buy several suites, the details of the contract may change, so you should take a closer look at the terms before signing. If there are gaps in the purchase contract and there are no supplementary clauses, be sure to cross them out.

Finally, Xingyulin Xincheng No. 1 reminds you that although the housing provident fund loan can be used twice, if the first house uses the provident fund loan and the housing loan is not settled, the housing provident fund loan cannot be used when buying the second house; In addition, no matter which loan method is used for the first house, as long as it is the purchase of two new houses, the interest rate of the housing provident fund loan will be calculated according to the interest rate of the second house, that is, the minimum down payment is 50%, and the interest rate will rise by about 10%, which please pay attention to.

Naturally, there should be more housing in the house, after all, if you have a son in the family, you still have to buy a few more houses, but the country has a very strict purchase restriction policy, you should pay attention to relevant skills when buying a house, in order to help yourself save money, what are the precautions for buying a second house and buying a second house? Take a look at the introduction below.

The country has now opened up, the policy of the second child when the family has two children, naturally the house in the home should also have one more set, after all, there are sons in the family or to buy a few more houses, but the country has a very strict purchase restriction policy, when buying a house, you should pay attention to the relevant skills, in order to help yourself save money, for the second house purchase skills and buy a second home What are the precautions? Take a look at the introduction below.

Second Home Buying Tips What are the precautions for buying a second home.

Tips for buying a second home.

Join a group chat. You can choose to buy a second home or an apartment in an unlimited area. Due to the local implementation of the purchase restriction policy in Chengdu, and the provision that single people can no longer purchase the purchase restriction policy to buy a second house, for single people, there are more restrictions when buying a second house.

In the future, both parties must bring the marriage certificate to sign before they can sign the purchase contract. Buying a house needs to pay attention to the fact that the developer must have a pre-sale permit for commercial housing, if there is, if you mortgage the house, you may have to get a little bit of interest, if there are too many overdue records, you may not be able to do the mortgage house, then you can only buy the house in full.

1. How to buy a house. At present, most buyers are using loans to buy houses, and there are three ways to choose from loans, I believe everyone wants to be able to use provident fund loans, so buyers should pay attention to the relevant regulations on the use of provident fund for the purchase of second homes. Under normal circumstances, when a buyer buys a first home, if he has used the CPF loan, but the CPF loan has not been paid off, when buying a second home, the buyer cannot use the CPF to take out a loan or use the CPF to repay the mortgage.

2. Pay attention to bank loan regulations. If a buyer wants to buy a second home through a bank loan, it is best to learn more about the relevant regulations for the loan to buy a second house with the bank before buying a second house, including the interest rate of the first home loan, the interest rate of the second home loan, the interest rate of the new commercial house, the interest rate of the second-hand house, etc. Don't underestimate these points, which will determine how much you repay in the future, which will affect the quality of life in the future.

3. Look at the requirements of the seller or developer. If it is to buy a second-hand house, some sellers will have some special regulations for buyers, buyers must ask clearly in advance, if it is to buy a new house, some developers will also have restrictions on buyers to apply for loans, although in principle, buyers can choose any bank to apply for a loan to buy a house, but many developers have their own cooperative loan banks, and will be very exclusive of slow loans.

How to identify the second suite.

1. If you have bought a house with a loan stool and a round of money, you can inquire about the property through the housing registration system, and then take out a loan to buy a house, which is counted as two sets.

2. If you have bought a house with a loan and later sold it, you can't find the property through the housing registration system, but you can find the loan record in the bank credit system, and then take out a loan to buy a house, which is counted as two sets.

3. I bought a house in full and later sold it, and the housing registration system could not find the property, and then took out a loan to buy a house, which is not considered a second set.

4. If you have bought a house in full, you can inquire about the property through the housing registration system, and you can buy a house with a loan, which is counted as two sets.

5. If the local government does not have the conditions for checking the housing registration system, the bank shall conduct due diligence to verify that the buyer already has one house, and then buy two sets of houses.