II. Information required for real estate access:
1, application report
2. Original business license and enterprise registration information
3. Organization code certificate
4. Tax registration certificate
5, real estate development enterprise qualification certificate
6. Land use certificate
7, construction land planning permit
8, the construction project planning permit
9, the construction project construction permit
10, pre-sale permit
1 1, enterprise identity card
12, loan card
13, account opening license certificate (CCB account number)
14, last year's report and last month's report
15, Articles of Association
Question 2: What does real estate access mean and where to go? Why should I apply for admission? The access you mentioned is the procedure that banks need. Only after going through the access procedures can your project apply for a mortgage loan. Also, the real estate bureau needs to go through the formalities for filing real estate. There are many procedures for banks to enter, including the company's statements for three consecutive years, business license, organization code certificate, five certificates of the project, and the basis for project construction.
Question 3: What do you mean by legal visit? Access to ICBC means that ICBC agrees to do this business or allows it to do this business. For example, ICBC's access to a project means that ICBC agrees to join the project, and the situation of this project meets the conditions of ICBC.
Question 4: You'd better ask the local intermediary about the approval time for the new building provident fund.
They know more than real estate salesmen.
Question 5: What's the connection between the house access permit and the house title certificate? The owner has the right to ask the developer to show the Commercial Housing Access Certificate issued by the Quality Supervision Department of the Municipal Construction Committee before moving in. Article 11 of the Commodity House Purchase and Sales Contract stipulates that when the commodity house is delivered, Party A shall notify Party B in writing to handle the handover procedures of the commodity house, and at the same time provide the Commodity House Quality Guarantee Letter and the Commodity House Use Manual, and hand over the house key. The guarantee here is the concept of occupancy certificate, and the occupancy certificate is also the proof that the commercial housing issued by the Construction Committee can be occupied. Without a residence permit, the owner can refuse to move in.
The real estate license refers to the certificate that the purchaser obtains the legal ownership of the house through the transaction and can exercise the right of possession, use, income and disposal of the purchased house according to law. That is, the "House Ownership Certificate" is the legal certificate for the state to protect the ownership of houses according to law. Proof that the owner manages and uses his own house. Property ownership certificate includes house ownership certificate and house ownership certificate. Generally speaking, the real estate license is the abbreviation of the house ownership certificate, which is a written certificate issued by the real estate registration authority to prove the ownership of the house.
Question 6: How long does it take for real estate access to be divided into local, foreign and other provinces? Take the marriage certificate and the man's household registration book to the police station where the household registration is located, and then go to the woman's household registration police station to move out. In other provinces, first get a marriage certificate, and the labor bureau where the woman's household registration is located will issue an unemployment certificate and a street certificate. It takes 15-30 days to return to the man's home in registered permanent residence. Go back to the woman's house, open a residence permit, and come back to get the residence permit to settle down. If the above is limited to urban and rural areas, it will be very simple. I went straight to the police station to get married and moved in.
Question 7: Where can I apply for a housing permit? Usually, I apply for a permit at the Industrial and Commercial Bureau.
I hope I can help you adopt it.
Question 8: Is it easy to get the down payment for the cooperation between real estate and banks? Is the procedure complicated? Hello, do you want to buy a house with a loan? The so-called mortgage refers to the behavior that when a property buyer buys a house from a developer, he prepays a part of the purchase price (generally 30%-50%) and lends the rest to the bank, and mortgages the property under the purchase contract and its related rights and interests to the bank as a guarantee for repayment of the loan, and the developer acts as a guarantee for the property buyer.
When the property buyers choose mortgage to buy a house, they need to provide the following information to the bank (loan bank) that provides mortgage:
1, legal and valid identification.
2. Proof of fixed economic income.
3. The original commercial housing sales contract witnessed by the real estate management department.
4. Other documents required by the lending bank.
Banks examine the authenticity, reliability and legality of the information provided by buyers. After passing the examination, the loan bank, the developer and the purchaser sign the Real Estate Mortgage (Pledge) Contract and the Building Mortgage Loan Contract (this contract shall be notarized or witnessed by a lawyer, and the expenses arising therefrom shall be borne by the purchaser). Three parties * * * go to the real estate management department for mortgage (pledge) registration of house purchase loan. Among them, the property buyer shall submit the following documents:
1. Original commercial housing sales contract witnessed by the real estate management department.
2. A copy of the identity certificate.
3. The housing mortgage loan contract that takes effect accordingly.
4. The mortgage application form and the original mortgage contract.
5. If you entrust others to register on your behalf, you need to submit a valid original power of attorney.
According to the provisions of the Real Estate Mortgage (Pledge) Contract and the Building Mortgage Loan Contract, property buyers must perform the following obligations:
1. Submit the real estate mortgage registration certificate together with the original contract to the loan bank for safekeeping.
2. After the delivery of the auction house, handle the house transfer formalities within three months, obtain the land use certificate, the house ownership certificate and the house ownership certificate, and directly hand over the three certificates to the loan bank for safekeeping (at this time, the developer's guarantee responsibility is lifted).
3. Insure the mortgaged property at your own expense, with the insurance period not shorter than the mortgage period and the insurance amount not lower than the total value of the mortgaged property, and hand over the insurance policy to the loan bank as the first beneficiary of the loan.
4. Without the written consent of the lending bank, the buyer shall not lease, sell, dismantle, rebuild, remortgage or otherwise dispose of the mortgaged property.
5. Repay the principal and interest on time every month. If it is overdue, it will be fined according to the number of days.
6. After all the loan principal and interest, fines and expenses should be repaid, the lender and the lender should cancel the mortgage registration with the original mortgage registration authority and recover the land use certificate, house ownership certificate and insurance policy.
General mortgage adopts "equal principal and interest repayment method":
Benchmark annual interest rate: 7.83%
If the discount is 10%: 7.83% * 0.9 = 7.047% (depending on local bank regulations).
Total loan: 157500
Number of repayment months: 10 * 12 = 120.
Monthly interest rate: 7.047%/ 12=0.58725%.
Monthly repayment amount = loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months /[( 1+ monthly interest rate) repayment months-1] = 1833 (yuan).
If your unit pays the housing provident fund for you, you can use the provident fund loan.
Personal housing provident fund loan processing flow 1. Applicants bring information to the management center for consultation, application and filling out the application form; 2. After approval, the Center will issue a power of attorney to the applicant; 3. After receiving the notice, the applicant will bring all the originals to the bank to sign the contract, and at the same time go through the notarization formalities at the notary office; 4. The applicant has to wait for the contract information signed by the seller; 5. The applicant holds a guaranteed loan contract (mortgage contract) and goes to Suqian Real Estate Management Office (the real estate transaction hall of the West Skirt Building of Jianshe Building) for mortgage registration; 6. The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally holds the transfer notice to the bank for transfer procedures. The condition for applying for individual housing provident fund loans is 1, and the housing provident fund needs to be deposited normally for more than one year, and the housing provident fund has not been withdrawn within one year before applying for loans; 2, in the city to buy urban self-occupied housing, and there is a purchase contract according to law; 3. When employees apply for housing loans, they must have paid more than 30% of the house price in advance; 4. The borrower agrees to use the purchased house as the mortgage of the loan and handle the loan notarization procedures; 5. The borrower has a stable occupation, economic income and the ability to repay the loan principal and interest; 6. Other conditions stipulated by the management center. Information required for applying for individual housing provident fund loan 1, and 4 originals of the purchase contract; 2. Advance payment ... >>
Question 9: What does it mean to buy a listed housing reform house on the real estate license? 1. Conditions for purchasing housing reform.
At present, China's housing reform housing listed transactions to implement the access system. In other words, listing can only be allowed if certain conditions are met. These conditions mainly include:
(1) has obtained the property right certificate.
(2) If the house is sold, mortgaged or exchanged, the house price has been paid according to the standard price or cost price.
Standard price: Generally, before 1995, the purchased housing reform is basically purchased at the standard price, 80% of the value-added part belongs to the individual, and the remaining 20% belongs to the original property unit.
Cost price: generally, if the house is reformed after 1995, the houses purchased are basically purchased at cost price, and all the value-added parts are owned by individuals.
Supplementary expenses: If the housing reform has been carried out at the standard price before 1995, after 1995, the procedures for supplementary expenses will be regarded as cost price purchase, and all the value-added parts will be owned by individuals.
(3) In case of exchange or gift, the house price has been paid at the cost price. (4) paid the * * * construction area price that should be shared.
Note: For high-rise buildings with 10 floors or above (including 10 floors), the shared * * * building area shall be purchased by the property owner from the original property unit at 20% of the transaction evaluation price of the area; For buildings below 10 floor, the apportioned * * * building area shall be purchased from the unit by the property owner at 10% of the transaction evaluation price of the area.
(5) 1% of the transfer fee for the right to use state-owned land has been paid as required.
Second, the purchase of housing reform matters needing attention
1, clarifying the property rights of "reformed houses"
"Housing reform" is different from commercial housing. Consumers often have to face "individuals" with diverse situations and unknown information. Before the implementation of the transaction, understanding the "property rights" of housing reform is a "compulsory course".
Through understanding, there are two kinds of "housing reform houses" in the second-hand housing market: complete property rights and partial property rights. The reasons for the formation of these two "housing reform houses" can be traced back to the housing reform policy of that year. There are three options for employees to participate in housing reform and buy a house: market price, cost price and standard price. The procedures for displaying these three prices are different. Before buying the "reformed house", we must investigate clearly and be aware of it. Buying a house at the market price, the property right belongs to the individual and can be listed and traded at any time; If you buy a house at the cost price, the property right belongs to the individual, but it usually takes five years to enter the market, and the land transfer fee must be paid before the transaction; If the house is purchased at the standard price, the employee owns part of the property rights, which shall be determined according to the proportion of the standard price to the cost price in the current year.
Before 1998, many employees bought houses at the standard price. According to the relevant regulations, when the "housing reform house" purchased at the standard price is listed, the difference between the standard price and the cost price should be supplemented first. Consumers in the purchase of this second-hand "housing reform housing", to confirm whether the housing has been in accordance with the cost price to make up the difference.
It is understood that not all "housing reform houses" can be listed and traded. For example, the "housing reform houses" of the military, security units and universities directly under the Ministry of Education cannot be sold casually.
2. Is there a "criminal record" in the house?
Like the sale of second-hand commercial housing, consumers should also understand the real-time information of "housing reform housing" and have a general understanding of the situation of housing owners. It is often difficult for consumers to distinguish the real "age" of "reformed housing". According to experts, "housing reform housing" is not like commercial housing, and the land certificate indicates the clear service life of the land. Only after the listed transaction becomes a private house and the land transfer fee is paid, the 70-year property right will be calculated according to the time of paying the transfer fee, but it does not mean that the "housing reform" has become a new house.
From this point of view, we can't see the real "age" of "housing reform housing" from the property right certificate. If this house changed hands many times, wouldn't it be impossible to find out the actual "age" of the house?
That was not the case. Consumers can check the housing files in the transaction hall of the Housing Authority according to the real estate license and the relevant documents of the head of the household, so as to determine the actual "age" of the "reconstructed house".
At the same time, in the transaction hall of the Housing Authority, you can also inquire about the real-time information of "housing reform housing" and the preferential policies enjoyed by the householder.
Through inquiry, consumers can know whether this set of "reformed houses" has been sealed up or mortgaged, and can inquire about the information of several sets of "reformed houses" actually owned by the householder in the form of * * * *.
If the house is sealed up or mortgaged, and the householder or others own more than one set of "reformed houses" in the form of * * * *, then the house cannot be transferred.
It is understood that there is still a key issue that affects the listing of "housing reform housing", that is, whether the head of household exceeds the standard to enjoy the housing reform policy. According to the national regulations, the junior professional title enjoys 80O, the intermediate professional title 100O, and the senior professional title 12 ... >; & gt
Question 10: What does investment real estate mean? Hello, classmate, I'm glad to answer your question!
Investment real estate investment real estate income-generating real estate.
The qualification examination for futures practitioners is an introductory examination for futures practitioners and a national qualification examination. The examination is supervised and guided by China Securities Regulatory Commission, sponsored by China Futures Association and specifically undertaken by ATA Company. The purpose of the futures qualification examination. The qualification examination for futures practitioners is to enable relevant domestic personnel to better grasp the basic concepts, principles and knowledge of the futures market, be familiar with the general laws of the development of the futures market, the principles of the futures market and its operation process, and understand the basic business of the futures market, the basic methods and procedures of participating in futures trading, and the strategies and skills of futures trading; Through the study of futures law and supervision system, they can better understand and master the basic legal knowledge, main legal system and supervision system of futures market, enhance their legal concept, law-abiding awareness and self-discipline awareness, and thus improve their professional level. According to the Measures for the Administration of Futures Practitioners, China Futures Association is responsible for organizing the qualification examination.
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