Do both husband and wife need social security when buying a house in Changsha?

Couples can buy a house in the local sales office as long as one party meets the conditions for buying a house. However, when buying a house and handling mortgage loans, the party that needs to meet the conditions for buying a house is the dominant party. So does Changsha need both husband and wife to have social security when buying a house? Let's have a look.

Do both husband and wife need social security when buying a house in Changsha?

Buying a house in Changsha does not require both husband and wife to have social security, but only one of them has social security and meets the social security conditions for buying a house in Changsha, then the husband and wife can buy a house together. However, it should be noted that couples can only buy houses jointly by the eligible party and the buyer, otherwise they cannot buy houses.

What are the requirements for buying a house in Changsha?

1 If you plan to buy a new house in Changsha, the purchaser shall truthfully provide the household registration and real estate information of family members, and the developer and intermediary agency shall report the relevant information of the purchaser to the housing management department for qualification examination. The housing management department will inquire about the property status of families buying houses in Han and give feedback within two days. Most of the qualifications for purchasing commercial housing are checked by developers.

2 buyers need to read the relevant purchase restriction policies carefully. They can enter the contract text in the "Online Registration and Filing of Individual Second-hand Housing Contracts" column of the municipal real estate market information network to pre-sign the sales contract of the stock houses online, or they can pre-sign the contracts online in the window of the real estate management department. You can enter the verification receipt number, the name of the purchaser, and the ID number of the purchaser to inquire about the verification result of the qualification of purchasing a house through the column of "Inquiring about the verification result of the second-hand house purchase qualification" of the information network.

Customers who are not registered in Changsha will not be allowed to settle down. With the proof that they have paid personal income tax or social insurance for more than 24 months in Changsha, they will be restricted from buying 1 set of commercial housing. Of course, for newly settled individuals, whether through the "22 New Policies for Talents in Changsha" to achieve the "zero threshold" for college graduates to settle down, or through other means, it is necessary to restrict the purchase of 1 set of commercial housing for individual families and collective families with no housing in Changsha.

How to use Changsha mortgage calculator?

Whether it is a bank loan or a microfinance institution, it is necessary to use a loan calculator to calculate the interest rate problem. Because some interest rates are not very clear. In particular, some microfinance institutions confuse borrowers with deeper mathematical methods, which seem to be very clear interest rates. But it will involve many other expenses, which will raise interest rates and lead to higher repayment. You need to use a loan calculator to calculate the interest rate in advance.

In addition to the principal and interest, some loans also involve some handling fees. Therefore, when using the loan calculator, you must figure out what your final repayment amount is and consult the institution as detailed as possible. Find out whether there will be some changes in the loan process, otherwise some subtle loopholes will be very unfavorable to the borrower. After determining the interest rate and the total amount, the borrower will use this information to calculate his repayment period in combination with his income and economic situation.