What does it mean to deposit before buying a house?

When buying a house, the bank needs a fixed deposit to handle the mortgage loan procedures. First of all, time deposit is a favorable proof that buyers have financial resources. Buyers with time deposits can improve the reliability and identity of the bank and are high-quality VIP customers of the bank. Buyers are more likely to get loans from banks. Secondly, the general increase in the interest rate of bank reserves has caused a loan shortage, and buyers with fixed deposits can get loans first.

Why buy a house first?

Banks that buy houses need deposits to prove their financial resources because their income certificates are not enough, so they require fixed deposits before lending. People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1.

How much tax does it cost to buy a house?

1. Property management fee: According to the regulations, the owner must pay the property management fee after repossession, but the owner can pay it monthly or quarterly. The property management company has no right to force the owner to pay the long-term property management fee in one lump sum as a condition for repossession.

2. Water and electricity working capital: According to the current relevant regulations, one household has one meter, and the property management company has no right to collect water and electricity working capital.

3. Gas opening fee: From the actual situation, whether the gas opening fee is charged depends on whether there is an agreement between the developer and the household. For example, when selling a house, the developer did not promise the gas pipeline to enter the house, but stated that it was borne by the owner, so it is a prerequisite to charge the gas opening fee when handing over the house. Generally speaking, the gas opening fee is paid by the developer to the gas company, which has been invisibly included in the total house price. If the developer promises to supply gas to the house when selling the house, it can generally be presumed that this fee has been included in the house price (unless otherwise agreed).

4. Cable TV and broadband network account opening fee: This fee does not belong to the scope of property charges. If there is no agreement between the owner and the developer, the owner has no obligation to pay this fee before moving in. Owners can go through the relevant account opening procedures and pay fees to relevant institutions (cable TV management institutions and telecommunications institutions).

5. Property agency fee: If there is no contract basis or the owner voluntarily, the developer has no right to forcibly represent the property right. For the owners who pay the house purchase price in one lump sum, because the developer has no risk, the reason for charging the agency fee is not sufficient; The owner who buys a house by mortgage loan, because the developer also bears the risk of regular guarantee, in order to avoid the risk, handles the property right on his behalf. Although there is no legal and contractual basis, it is still reasonable, but it should also be approved by the owner. Based on the contract or with the consent of the owner, the developer may charge a reasonable property agency fee.

6. Area mapping fee: The principle of collecting area mapping fee is "whoever entrusts it pays". The purchase contract has stipulated the obligation of the developer to provide area measurement data to the purchaser, so the cost should be paid by the developer.