Which grade does Vanke Zitai belong to? How to get a loan for a house purchase contract?

In fact, many property buyers have very high requirements for the environment. Although they may not have enough funds, if the quality of the house is low and the decoration level is not up to standard, they may not buy it even if it is cheap. You can see which grade Vanke Zitai belongs to, understand the grades of different real estate developers, decoration methods, precautions and so on. And judge how the purchase contract should be loaned.

Which grade does Vanke Zitai belong to?

Vanke Zitai is a relatively advanced level. Taiyuan Vanke Zitai was developed by Taiyuan Jiabao Vanke Real Estate Development Co., Ltd., also known as Jiabao Vanke Zitai. Located at the southwest corner of the intersection of Changfeng East Street and Shuangta South Road, with a planned total area of 95,000 square meters and a planned total construction area of 335,000 square meters. *** 18 residential building, an apartment building, a clubhouse, a 400-meter-long commercial street, and a community kindergarten in class 10 in cooperation with Peking University.

How to get a good house purchase contract loan?

1. Understand the conditions of housing loans: housing loans need certain conditions, and you must understand them before buying a house. For example, the lender should be under the age of 18-60, have a stable occupation and income, and the borrower's age plus loan period should not exceed 70, so as to meet a certain down payment. After these conditions are met, you can go through the formalities of buying a house.

2. First-hand housing loan: First-hand housing loan procedures are relatively simple. Sign a house purchase contract with the developer, pay the down payment, and then go through the loan formalities. In the future, after the real estate license is done, the developer will directly hand it over to the bank for mortgage, and the real estate license will eventually stay in the Housing Authority. You can't get the real estate license until all the loans are paid off.

3. Second-hand housing loan: The procedures for buying and selling second-hand housing are a bit annoying, and there is fraud in paying for the house, so be extra careful. It is worth noting that second-hand houses need to apply for real estate licenses and transfer before they can be loaned. After the transfer, you can go to the bank to apply for a mortgage loan, and you need to provide household registration book, ID card, real estate license, purchase contract, income certificate, marriage certificate and other materials. Only the purchase contract is definitely not enough.

4. Use provident fund loans: If the unit pays the provident fund, then try to use provident fund loans. This can be applied to the local provident fund management center. It will be very convenient if the conditions are met! At least half of the interest can be saved, and the monthly provident fund can be used to offset the loan. If the provident fund loan is not enough, you can apply for a commercial loan again.

5. Beware of fake contracts: In an honest society, some frauds still occur from time to time. When signing a house purchase contract, we must beware of fake contracts and fake contracts. Some houses can't be bought or sold even if they have signed a purchase contract. For example, there is no title certificate, the title certificate is separated from the land use certificate, and some houses that have been demolished have not been bought for a long time, and the property rights are unclear; The "House Purchase Contract" must be signed by both husband and wife, otherwise one party will sign without the knowledge of the other party, which will cause legal disputes and be very troublesome.

The above introduction is which grade Vanke Zitai belongs to. I hope everyone can understand some basic problems when buying a house, including the appraisal of the purchase contract, the loan process, the comparison of various interest rates and so on. But also pay special attention to how to make a good loan in the purchase contract. After all, some loans are relatively high, but the interest rate is also high, which is not worth choosing.