How long does the second suite in Dongguan need social security?

The second suite in Dongguan needs social security for three years. According to the relevant regulations, non-Dongguan registered families who buy the first set of commercial housing (new commercial housing or second-hand commercial housing, the same below) in Dongguan must pay social security 1 year monthly in Dongguan two years before the date of purchase; If you buy a second set of commercial housing in Dongguan, you must pay social security for three consecutive years in Dongguan within four years before the date of purchase.

Housing loan policy in Dongguan

1. No house or mortgage in Dongguan. The down payment ratio for purchasing ordinary houses (below 144) shall not be less than 30%, and the down payment ratio for purchasing non-ordinary houses shall not be less than 40%.

2. If there is no house in Dongguan but there is a record of settled housing loan, or if there is 1 apartment in Dongguan and the housing loan has been settled, the down payment ratio for purchasing ordinary housing (below 144 square meters) shall not be less than 40%, and the down payment ratio for purchasing non-ordinary housing shall not be less than 60%.

3. If you own 1 apartment and the housing loan is not settled, the down payment ratio for purchasing ordinary housing (below 144 flat) shall not be less than 50%, and the down payment ratio for purchasing non-ordinary housing shall not be less than 60%.

4. For households with two or more houses, commercial personal housing loans will be suspended.

What is the detailed process of buying a second-hand house?

1, communication between buyers and sellers

If the buyer wants to buy a second-hand house, he must first get in touch with the seller, so that the buyer can get the relevant information of the second-hand house. Property buyers must first understand the overall situation and property rights of the house. If they think there is no problem, they can ask the seller to provide legal documents, including house ownership certificate, state-owned land use right certificate, identity certificate and other documents.

2. On-site house inspection

Before deciding to buy a house, buyers should at least go to the field to check the quality of the house and the living environment to avoid buying a second-hand house with problems. When looking at the house on the spot, we mainly pay attention to whether there are problems in the main structure, decoration, floor, apartment type and orientation of the house. In addition to the situation in the house, we should also observe the residents' structure, cultural atmosphere, supporting facilities, primary and secondary schools and so on in this area.

3. Determine the trading intention

After the buyer knows the house, if he feels that the house meets his own purchase demand, he can negotiate with the seller about the specific content of the second-hand housing transaction. The main contents of negotiating second-hand housing transactions include housing prices, payment methods and specific transaction contents.

4. Sign a house purchase contract

After the buyers and sellers reach an agreement on the real estate transaction, they can start signing the purchase contract. Before signing the house purchase contract, it may involve the payment of the house purchase deposit. This is voluntary, and buyers can also choose to skip this step and sign the purchase contract directly.

Step 5 apply for a bank loan

If property buyers need to buy second-hand houses by means of loans, they need to go to the bank for loan procedures after signing the purchase contract. Before going through the loan formalities, it is best for buyers to consult the relevant business with the bank, and then apply for the initial loan evaluation, so that they can know the loan amount they need to apply for. What buyers need to pay attention to is that the loan amount for buying second-hand houses is related to the appraised value of second-hand houses, which is lower than the transaction price, which requires buyers to prepare more down payment.

6. Go through the transfer formalities

The purchase contract has been signed and the loan procedures have been completed. The next step is to go through the formalities of property transfer. The transfer formalities shall be jointly applied by the buyer and the seller to the real estate transaction management department. After submitting the relevant materials, the real estate transaction management department needs to review. Not all houses can be transferred. For some houses with unclear property rights, the housing management department will refuse the transfer application of buyers and sellers, and allow the houses that meet the listing conditions to go through the transfer procedures.

7. House handover.

The property right of the house has been transferred to the buyer's name, and the last step is to hand over the house. When handing over the house, the buyer needs to pay attention to the settlement of property fees, parking fees, water, electricity, natural gas and other expenses with the seller, which is something that many buyers will forget.