Foshan first suite identification standard

Foshan First Suite Identification Standard: When households (including borrowers, spouses and minor children) apply for loans to buy commercial housing, if family members do not have complete sets of housing under the name of our city, banking financial institutions will implement the housing credit policy according to the first set of housing regardless of whether they have used loans to buy housing.

The first suite means buying only one house. The People's Bank of China stipulates that urban residents in China can enjoy preferential mortgage interest rates when purchasing the first home.

The so-called "first suite" must meet three conditions at the same time: the buyer 18 years old; The house you bought is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%); There is no house purchased alone or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded.

Minimum down payment ratio for the first suite in Foshan: 30%. The identification of the first suite is very strict, requiring the family to have no money to buy a house, or to open a certificate in the People's Bank to check whether there is any bad credit record. Due to the purchase restriction policy, a specific certificate of family housing is issued.

Precautions for buying a house:

1. Is there any property right dispute?

When buying a house, you should find out whether there are any property disputes and disputes. If there is a problem with the property right of a suite, then the house is very risky. I have a lot of problems and troubles after buying it. Whether buying a new house or a second-hand house, we should pay attention to property rights. Second-hand houses are sold in one room and two rooms, and the five certificates of first-hand houses are not unified, which will bring property rights problems.

2, housing unfavorable factors

When buying a house, you should see clearly the potential unfavorable factors of the house, investigate clearly and ask clearly. Especially when buying a new house, this problem is particularly prominent, such as whether there will be a garbage dump around the house, whether there will be a transformer box in front of the house, and whether there will be demolition and maintenance of high-rise buildings near the house, which may affect the future vision and landscape. The unfavorable factors to the house should be eliminated, otherwise it will affect the living experience and the value of the house.

3. The strength of housing enterprises

When buying an auction house, we must make a reverse adjustment to the development strength of real estate enterprises, depending on the capital situation, debt situation, whether there is debt default in the past year, and the reputation of real estate enterprises. Master the operation of real estate enterprises, avoid risky real estate, eliminate the risk of unfinished business, and ensure that you can take the house with confidence after buying it.

4. Property management

The property management of a residential area is very important to the value of a house. Whether buying a new house or a second-hand house, high-quality property management can not only improve the quality of living, but also increase the house premium.