Buying common sense you get it wrong, social security break affect the purchase of a home

We have a large number of buyers every year into the property market, especially the new generation of young people, although the policy tightened, but there are still some buyers opened a big plan to buy a house. In the qualification judgment and title signature, there are a lot of cold knowledge easy to be ignored, the following four common small misunderstandings believe that you intend to buy a house more or less have encountered. Buy real estate common sense you get it wrong, social security break affect the purchase of a home, let's take a look.

One, social security broken individual tax can be remedied

When considering the purchase of a home, the qualification of the purchase is undoubtedly a problem that must be considered by the buyer. The current more and more cities to join the army of purchase restrictions, for non-local household purchasers put forward a continuous one year to five years ranging from social security payment requirements. And once in the middle due to changing jobs and other reasons, the handover is not timely will cause social security contributions, there are a lot of people intend to buy a home even for this reason do not dare to change jobs. So, social security payment really means that the qualification of the purchase of housing to start from zero? In fact, not necessarily.

Industry sources, many cities for the qualification of home purchase is determined by reference to both social security and personal tax, to Beijing, for example, Beijing to pay social security requirements for five consecutive years, can not break the month, and the requirements of personal tax can not break the year, at least once a year to pay the personal income tax can be. If the social security does not meet the conditions, you can check whether the payment of their own personal tax to meet. For example, if a buyer applies to purchase a home in 2012, he or she should have paid personal income tax in Beijing for five consecutive years, even if it is "five years of personal tax".

Second, "baby owners" easy to buy not easy to sell

Now more and more "baby owners" have emerged, they are young, under the name of the parents for their purchase of real estate. Parents let the minor child as a homeowner, but also for the child's future considerations, well-intentioned. But minor children to buy a second-hand house, and adults to buy a second-hand house has a lot of differences, if not handled appropriately, may cause trouble.

China's protection of minors' property is more strict, parents as guardians, the sale of minor children under the name of the real estate, must be presented for the benefit of minor children to sell the property statement, but also to provide the signature of the guardian to ensure that their guardianship qualifications of the certificate, in order to sell minor children under the name of the real estate. Otherwise, a parent who sells a property in the name of a minor child at will may be subject to litigation or even invalidation by the court.

Three, house inheritance or no longer mandatory notarization

Has always been the inheritance of real estate procedures are quite cumbersome. Want to inherit property, you must inheritance notarization, but also issued such as death certificate, unit certificate, neighborhood committee certificate and a series of documents. However, from the beginning, inheritance of property or will no longer be mandatory notarization.

"Beijing real estate registration work specification (for trial implementation)" has been officially issued in recent days, will be formally implemented on January 1 next year. The norms in addition to the introduction of a number of measures to facilitate the people, but also give the inheritance (bequeathed) real estate registration applicants the right to choose notarization. According to this provision, the applicant for real estate registration in the inheritance or bequeathed real estate, the right to choose notarization or directly apply for verification and registration in accordance with the relevant procedures, inheritance (bequeathed) notarization will no longer be a necessary measure. In this way, it will be much more convenient to handle housing inheritance.

Four, the second-hand house book can be signed by the party who is not eligible to buy a house

On the purchase of cities, if only one of the husband and wife is eligible to buy a house, the real estate certificate how to sign it? There is a view that no qualification house can no longer be signed on the real estate certificate, there is also the view that both spouses can be signed on the real estate certificate alone. In fact, if the husband and wife together to buy a new house, the man has the qualification to buy a house, the woman does not, then no Beijing qualification of the party, can not appear in the house book alone. But the second-hand houses now do not have this requirement, the second-hand house book falls to either party can.