1. If you want to buy a house in Wuxi, you must pay 1 year social security or 1 year personal income tax, whichever is enough. If you want to use provident fund loans, you must pay for 6 months before you can use provident fund loans.

2. According to the new policy of Wuxi, you can register your household registration over 70 square meters and get a new production certificate.

If it is less than 3.70 square meters, you can buy a house after paying social security for 3 years.

What is the general process of buying a house?

1, go to the real estate site and choose the right house. Now developers generally only accept one-time payment and mortgage payment. According to the current policy, you need to pay 20% of the house price as a down payment, and the remaining 80% can apply for a bank mortgage. To apply for a mortgage, you need to provide the information required by the bank, generally: ID card, household registration book, marital status certificate, income certificate, private seal, etc.

2. If you have provident fund and have paid 12 months continuously, you can apply for provident fund loans. The general bank will act as an agent, or you can apply to the local provident fund center yourself. The general process is as follows: pay the deposit, pay the down payment, sign the house purchase contract, and apply for the mortgage.

3. In addition to the house payment, you must also pay deed tax (generally 65438+ 0-2% of the house price, depending on the area), maintenance fund (some calculated by the area, some calculated by the house price) and insurance premium (some collected by banks, some not).

4. House inspection: mainly look at the wall, water and electricity inspection, waterproof inspection, ground elevation inspection and height inspection; Check the doors and windows.

5. Delivery: Pay attention to relevant information when delivering the house.

What are the benefits of buying a house in full?

1, pay the full amount to save money.

Although the first time to pay more money, but from the total number of houses, can be exempted from various fees, bank interest and so on. And because it is a one-time payment, you can bargain with the developer to further save the purchase price.

2, debt-free.

There is no economic pressure after paying the full amount for the house, because the buyers can no longer worry about the house payment and calmly arrange the future financial plan. At the same time, it also saves time and does not need any credit authentication. Today's work is finished today.

It's easy to change hands.

From the investment point of view, it is more convenient to sell the house bought in full, and it is not bound by bank loans. Once the house price rises, it will change hands quickly and exit easily. Even if you don't want to sell, you can mortgage your house to the bank when the economy is in trouble.