Look! Xi 'an's latest and most comprehensive restricted purchase area, the whole process of buying a house.

During the 11 th holiday, the property market intelligence also arranged a series of articles on National Day for everyone, which summarized in detail the purchase policy, housing loan, Xi 'an purchase threshold, subway plate/third ring road plate/Xixian real estate/improvement plate, etc., and provided the most comprehensive, timely and detailed purchase information for the "floor powder" who ran on the road to buying a house.

This white paper includes:

1.Xi is restricted to purchase, and the scope of purchase is not limited.

2.2065438+2009 Xi 'an Latest Policy

3. How to check the information needed to buy a house?

4. The whole process of buying a house

5. Online signing and filing process

6. What do I have to pay for buying a house?

I. Restricted purchase area and purchase policy

1.Xi 'an's restricted/unrestricted purchase scope specifically includes what areas?

2. Qualifications for buying a house in Xi 'an:

(Xi An Property Market Intelligence Production)

Second, Xi's settlement policy

From 2065438+200965438+123 October, Xi Public Security Bureau will carry out "city-wide operation" on the household registration business of some residents.

Xi 'an's household registration business is "all-city", which means that people can handle the household registration business designated by all police stations in this city at any household registration police station of Xi 'an Public Security Bureau "nearby".

Let's take a look at the ways for 10 to settle in Xi 'an, including education, talents, buying a house, etc. In addition, there are other specific information about the situation and needs, please ask specifically.

Note: College students from all over the country only need student ID cards and ID cards to settle in Xi 'an. WeChat settlement only needs to upload the following materials: 1. Screenshot of Xue Xin. Com's student status query results. 2. Photo of the applicant's ID card.

At the same time, from March 5, 20 18, collective households with academic qualifications in the community only need to upload their academic qualifications and ID photos through the handheld household registration room, and the manager does not have to run errands.

Third, the purchase information needed in the purchase process

1. Where can I get information before buying a house?

Before buying a house, only by doing your homework and knowing what you know can you choose a house that meets your needs.

Step 1: Select the intended building according to the price announcement information.

When choosing real estate, the information on various real estate websites on the Internet is varied, which inevitably makes people see things in a blur. First of all, according to your own strength, budget, intention in which area, focusing on factors such as school or subway, when you have almost an outline in your heart, go to official website to check whether the approved house has your favorite.

Xi 'an filing price inquiry website:

/info/iList.jsp？ cat _ id = 1003 1 & amp； tm_id=27

Step 2: Check whether the five certificates of the intended property sales building are complete.

After selecting a few favorite properties, as the saying goes, seeing is believing. In any case, you should go to the field to check the specific situation of the properties. The subway entrance in the mouth of the property consultant is only 5 minutes away, and you may not see the subway for more than ten minutes. When going to the sales department for consultation, the first step is to check whether there is a pre-sale permit. Of course, in order to save time, you can also check in official website. If you don't have a license, you can pass directly.

Pre-sale certificate inquiry website:

/fcywbllc/yszcx.aspx

Speaking of which, I interrupted a question recently asked by a fan. He told me privately that "the existing house in the north of the city is 4500 yuan, and the bank can still handle mortgage loans." Hearing this, do you really want to know which disk you want to buy? Actually, I don't want to ask about any specific dish. I only asked one question, "Is there a pre-sale certificate?" The fan said there should be, and finally told me that there was no certificate after a meeting. Buying a house is actually the same as other things, always remember that cheap goods are not good.

Step 3: Pay attention to the time of intention registration.

After selecting the intended housing, the general property consultant will remind you of the online registration time. You can also pay attention to official website, the Housing Authority, and keep an eye on the latest developments.

Xi 'an Online Intention Registration Address:

http:// 124. 1 15 . 228 . 93/zfrgdjpt/index . html

Note: Lintong District has also launched an intention registration platform with the same website.

Fengdong New Town Online Intention Registration Address:

http:// 1 1 1 . 20 . 24 1. 194:80 1/zfrgdjpt/xmgs . aspx

A detailed introduction about buying a house can be found by poking the link:

2. Information needed for buying a house

There are about 1 1 materials in the list of materials for house purchase qualification verification. There may be some differences according to the nature of different families, but they are generally similar.

Necessary purchase information

1. Copies of ID cards of the purchaser and family members (including minor children) (at least three copies are required).

2 copies of the first page, personal page and minor children's page of both husband and wife (in duplicate).

Three copies of the first and second pages of the marriage certificate (in duplicate).

4. Single certificate. If you are not single, you don't need it. Real estate websites usually provide special templates.

5 married divorce certificate, that is, a copy of divorce certificate or divorce agreement (with receipt or valid certificate) (in duplicate).

6. Non-Xi household registration families are also required to provide personal income tax or social insurance certification materials that have been paid in Xi for more than 2 years (including 2 years) (originals must be provided). This is for families or people who are not registered in Xi 'an, but not for families or people registered in Xi 'an (including suburban counties in Xi 'an).

7. Soldiers need to provide a copy of the military officer's card, a copy of the residence certificate in Shaanxi (issued at or above the regimental level), a copy of the spouse's ID card, and a copy of the spouse's household registration book. This requires at least three copies.

8. It is generally necessary to provide the private seal of the purchaser and spouse. The specification is 1.5* 1.5cm, with no "ambition" or "seal" in block letters. However, some properties can be replaced by my signature and handprint according to the requirements of the property.

9. Personal credit report and bank statement for the last six months. Personal credit report is necessary, and the half-year bank flow certificate is mainly supplemented by the main buyer (the main contractor of the contract) and the repayment person. Buyers of one-time payment also need to provide credit reports.

10.Xi proof of housing inquiry (including minor children). If there is no room, you should also submit the certificate, and it is the original. This information should be truthfully reflected when registering on the network platform. If it is not true, it will be punished as providing false information!

1 1. Require prospective buyers and family members to bring certificates of time deposits or current deposits that meet the down payment requirements. This is the new requirement after the "New Deal" of Xi 'an property market came out on June 24, 20 18. The requirement is not higher than 30% of the total house price of the intended house, and the designated bank is not required. All bankbooks, certificates of deposit and running water balances can be accumulated.

(Swipe up and down to view the full text)

3. How to check personal credit information?

When preparing the purchase information, one of them is to provide personal credit report. Personal credit information includes personal basic information, bank credit information, non-bank credit information, objection records and inquiry records.

For example, the lender may refuse the loan six times in three consecutive months or two years, so he should pay attention to his personal credit in his usual consumption.

Regarding the credit investigation, we have made a detailed introduction before, so I won't go into details here. For more details, please click on the link: (click on the blue font to view)

Fourth, the whole process of buying a house

The first step: Xi An Price Bureau official website inquires about the public price, and can inquire about the specific price of one room and one living room;

Step 2: Xi An Housing Management Bureau official website inquires about the pre-sale certificate;

Step 3: register online (not less than 3 days) on the official website Commodity Housing Intention Registration Platform of the Housing Authority;

Step 4: The developer reviews the data on site (the starting and ending time is not less than 3 days and not more than 5 days);

Step 5: The developer verifies the data. ① If the house is larger than the intended registration number, it will be opened directly without shaking the number; (2) If the number of houses is less than the number of people who intend to register, you need to shake the number, and publicize the list of interested buyers in official website Notary Office of Xi Justice Bureau (not less than 3 days);

Step 6: shake the number online;

Step 7: publicize the lottery results for not less than 3 days;

Step 8: Choose a house according to the notified location;

Step 9: publicize the results of house selection for not less than 3 days;

Step 10: Choose the family who bought the house to sign the contract, and the families who didn't choose the house and didn't shake the number will choose the property again to register their intentions;

Step 11: apply for a mortgage loan, with a down payment of 40% for most properties and 50% for the second suite;

Step 12: apply for online signing for the record; The online signing shall be handled in the sales department or the Housing Authority, and shall be filed in the Housing Authority within 30 days from the date of signing the contract;

Step 13: Wait for the house to be closed according to the agreed delivery time, and pay attention to the inspection of the house quality guarantee, the house use manual and the completion acceptance record form of the house construction project when closing the house;

Step 14: Apply for the real estate license after the delivery of the commercial house. Pay attention to the time for handling the real estate license agreed in the commercial housing sales contract. Usually within one year, two years and three years after the delivery of the house.

Verb (abbreviation for verb) deals with the online signing and filing process.

Online signing means that after the two parties sign the contract, they go to the relevant real estate department for the record and publish it online. It was completed in the sales department or the housing management department after the developer obtained the pre-sale certificate, the property buyers also met the qualification of purchasing houses, and completed the house selection and signed the contract.

Online signing process: select online signing time-prepare online signing materials-confirm online signing terms-complete online signing.

Filing is to go through the registration formalities with the real estate management department and land management department of the people's government at or above the county level within 30 days from the date of signing the contract.

Filing process: contract filing-review-obtaining filing number-printing contract text-signing and sealing by both parties-completing filing.

It should be noted that the filing is carried out after the online signing is completed, and finally a record number will be returned after the real estate management department reviews it. This record number is unique (many record numbers are contract numbers, please consult the staff of the sales department for details).

How to inquire about the online signing and filing of commercial housing sales contracts?

Online inquiry:

Log in to the homepage of the Housing Authority's portal website → open the service column of "Record and Inquiry of Commercial Housing Sales Contract" → enter the ID number of the purchaser and the registration number of the sales contract → display the name, room number, record time and other information of the registered housing community.

On-site inquiry:

The purchaser can also go to Room 1205 (West Street 1 16) with his ID card.

6. What do I have to pay for buying a house?

What fees do you need to pay after paying the down payment and loan when buying a house? Generally speaking, there are the following fees:

1. deed tax;

The payment ratio is related to the first suite and the second suite. If it is the first suite, it is also related to the housing area.

If an individual purchases an ordinary house, and the house is the only house in the family, and the area of the purchased ordinary commodity house is less than 90 square meters (including 90 square meters), the deed tax shall be executed according to 1%;

If the apartment area is 90 square meters to 144 square meters (including 144 square meters), the tax rate will be halved, that is, the effective tax rate will be1.5%; The second set is 2%;

If the area of the purchased dwelling exceeds 144 square meters, the deed tax rate is 3%.

2. Housing maintenance fund;

This is well understood, that is, to raise funds from property buyers collectively for the maintenance and renovation of facilities in the later period of the community.

Commercial housing maintenance fund deposit standard:

Multi-storey residence (below 7 floors, without elevator): 60 yuan/m2;

Multi-storey residence (with elevator): 90 yuan/m2;

Small high-rise and high-rise residential buildings (above and including 7 floors) 145 yuan/m2.

Standard for deposit of maintenance funds for demolition resettlement houses:

Multi-storey residence (below 7 floors, without elevator): 60 yuan/m2;

Multi-storey residence (with elevator): 90 yuan/m2;

Small high-rise and high-rise residential buildings (above and including 7 floors): 90 yuan /m2.

Housing reform housing maintenance fund deposit standard:

(1) The owner shall deposit the maintenance fund according to the construction area of the property, and the amount of the first maintenance fund per square meter of construction area shall be 2% of the local housing reform cost price;

(2) while the unit to extract maintenance funds, multi-storey residential extraction at least 20%, high-rise residential extraction at least 30%.

3. Housing property registration fee.

Some developers only charge when they apply for a permit, that is, residential 80 yuan/set, non-residential 550 yuan/piece.

4. Regional price difference.

According to the actual settlement of the commercial housing sales contract, but the absolute value of the area error ratio is within 3% (including 3%).

5. Stamp duty on license, 5 yuan/copy. Production cost. 10 yuan/copy

6. Property fees.

Before the house is signed for repossession, the property fee shall be borne by the developer, and the property service fee shall be borne by the purchaser from the date of repossession.

7. Other expenses.

Heating fee: it depends on the heating mode and specific price of the community.

Water and electricity charges: Generally, there will be a separate card, and the owner only needs to recharge it.

Parking fee: some owners need to buy parking spaces in the community, and this fee is for the owners who buy parking spaces.

These expenses are generally incurred after the actual check-in, and the payment varies from person to person.

Note: Deed tax and overhaul fund must be paid. If you don't hand over the house, it is possible that the five certificates of this house are incomplete!