How to buy a house in Chengdu with only 200 thousand

Only 200,000 can apply for a loan to buy a house. According to your own budget of 200,000 people, you can choose a small apartment with high price or a large apartment with low price. At present, the housing prices in northern Chengdu will be slightly cheaper, and they can learn more about the comprehensive comparison of some properties before buying.

Policies related to purchasing houses in Chengdu

Policy restrictions such as restricted purchases, restricted sales and restricted loans in Chengdu.

First of all, buying a house in Chengdu has requirements for the qualification of buying a house.

At present, to buy a house with one or two floors in Chengdu, the qualifications for buying a house in Chengdu are mainly:

1. Looking at household registration and social security means that you have a household registration in Chengdu for 2 years or more in this district, or have paid social security in Chengdu for 2 years or more in this district, and are qualified to buy a house with stable employment.

2, look at hukou+social security, that is, if you have settled in Chengdu for less than 2 years, you will be eligible to buy a house in Chengdu if you have a stable employment and paid social security 12 months.

To buy a three-story house, you only need to meet the Chengdu hukou.

Secondly, Chengdu has also imposed the following restrictions on the number of purchase sets:

1. Families with 2 or more registered households in Chengdu can purchase up to 2 suites in Chengdu.

2. Families whose household registration is not in Chengdu (regardless of the number of people) can buy up to 1 suite in Chengdu.

3. Adult single young people with household registration in Chengdu (1 people leave their parents to stand on their own feet) can buy up to 1 suite in Chengdu.

Friends who have not yet qualified to buy a house can choose to settle in Chengdu to realize the qualification of buying a house. At present, there are three main ways: conditional entry, integral entry and other settlement.

In addition, we also need to know what we often say about the first, second and third floors of Chengdu property market. Which areas can buy from each other?

The first floor refers to High-tech South Zone, Tianfu New Zone, Jinjiang District, Qingyang District, Wuhou District, chenghua district, jinniu district and High-tech West Zone.

The second circle (suburb) refers to Shuangliu District, Wenjiang District, Pidu District, Longquanyi District and Xindu District.

The third circle (outer suburbs) refers to qingbaijiang district, Dujiangyan, Pengzhou, chongzhou city, Qionglai, Jintang, Dayi, Xinjin, Pujiang and jianyang city.

Chengdu house purchasing process

1. Looking at the house and choosing the house: everyone delineates the intended real estate according to their own intention to buy a house, and goes to the marketing center to look at the house and inspect the real estate on the spot. It is necessary to compare house prices, residential areas, transportation, living facilities, word-of-mouth of developers and word-of-mouth of property. This requires everyone to polish their eyes and take a walk on the spot. At present, Chengdu implements the policy of buying a house by lottery, and all buildings in Chengdu need lottery.

2. Sign the house purchase contract and sign the online record: after the house subscription understands the project, make the house subscription, pay the deposit and sign the subscription agreement. After signing the contract or agreement, you can sign the contract online in the Housing Authority's trading system and publish it online.

If it is a mortgage to buy a house, the general developer will ask you to prepare the loan materials and handle the loan centrally in the sales department. The materials required for handling the loan include: copy of ID card, copy of household registration book, income certificate, bank account, credit report and provident fund account number (if it is a provident fund loan).

At present, the down payment ratio of the first suite of Chengshang Loan is not less than 30%, and the down payment ratio of the second suite is not less than 50% (including 70% for the second suite in Gaoxin South District and Tianfu New District, 50% for the second suite on the third floor, and 60% for other areas).

After the loan is successfully completed, the developer will exchange the official invoice with the down payment receipt+loan contract+commercial housing transaction contract.

3. Close the house and pay the maintenance fund and deed tax. If you buy an existing house, you can get the house at this time. If it is an auction house, you need to wait for the developer to build the house and hand it over.

After receiving the delivery notice from the developer, take the purchase contract, purchase invoice, ID card and other documents to the delivery place notified by the developer to collect the house, and cooperate with the developer to the house registration management office, pay the maintenance fund and deed tax, and apply for the real estate license.

Maintenance fund charging standard: elevator machine room, charged according to the construction cost per square meter calculated by each district; Stair residence is charged according to the cost per square meter of construction area calculated by each district.