Many people want to buy a house in Xi 'an, but they don't know anything and buy it blindly!

for example, where is the purchase restriction? How much is the down payment Where can I see the price announcement? How to inquire about the record of commercial housing? Wait ...

Especially the policy of buying a house has changed greatly after several New Deal.

Today, an article is all arranged, and the strategy of buying a house in Xi 'an in 221 is sent!

Note:

The articles are all dry goods, and there are several websites related to buying houses that go directly to the QR code. Remember to forward the collection and like it for three times!

1

Restricted purchase area

At present, the restricted purchase policy is implemented in Xi 'an, and the areas are divided as follows:

(Restricted/Unlimited Purchase Area Map)

The entire downtown area of Xi 'an is restricted, and

Lintong, a suburban county, and Fengdong New Town, Xixian New Area (except the Energy and Gold Trade Zone) are also restricted.

gaoling, huyi, yanliang, zhouzhi and Lantian in suburban counties around Xi' an, and fengxi new town, Qinhan new town, Jinghe new town and airport new town in Xixian five groups are not limited to purchase.

2

Qualification for purchasing a house

1. Xi 'an's local household registration

It is deemed as the local household registration if it meets the following conditions:

(1) Xixian New Area's household registration;

(2) moving out of the household registration because of schooling, and being able to provide relevant certification materials for the original household registration in our city;

(3) Servicemen stationed in Shaanxi can provide certificates issued by units at or above the regiment level;

(4) The registered permanent residence before enlistment belongs to active servicemen in our province, and the original household registration certificate can be provided;

(5) Servicemen who meet the conditions for resettlement of demobilized soldiers in our city can provide proof materials for the transfer of demobilized soldiers.

Note:

The qualification for buying a house is based on the family. As long as one family member is registered in Xi 'an, it is considered as a household registered in Xi 'an, and can buy a house in Xi 'an.

2. Newly settled property buyers in Xi 'an

Note: After the introduction of the 3.3 New Deal in Xi 'an, the qualification for purchasing houses has changed greatly.

Previously, you only needed to meet the household registration for one year or pay social security/individual tax for one year, but now you need to meet them at the same time before you can qualify for buying a house.

those who leave the army and change jobs and their families settle down with the army are not affected.

3. How to buy a house with a foreign hukou?

families who are not registered in this city can buy a set of commercial housing only if they have no housing within the housing purchase restriction area of this city and can provide personal income tax or social insurance certificates for more than 5 years (including 5 years).

Note: "Xi 'an has paid social security or individual tax certificate for more than 5 years (inclusive) continuously" means that you have paid for 5 years continuously from the last month when you bought a house.

The details are as follows:

4. How to settle in Xi 'an now?

you can settle in Xi' an in the following ways, and then you can meet the qualification requirements of newly settled houses.

Note: Xi 'an hukou includes 11 districts (Xincheng District, beilin district, Lianhu District, Yanta District, Baqiao District, weiyang district, yanliang district, Lintong District, Chang 'an District, Gaoling District, Huyi District), 2 counties (Lantian County, zhouzhi county) and 7 national development zones (High-tech Zone, Jingyi District)

In addition, community collective households with academic qualifications can directly apply online, search for "Xi 'an Public Security" WeChat official account, and click on the Pocket Household Registration Room.

all the above qualifications are applicable to the purchase of second-hand houses.

3

down payment ratio of house purchase

After obtaining the qualification of house purchase, we need to know the current down payment policy in Xi 'an.

1. Down payment ratio of commercial housing loans:

Note: At present, to buy the first home in Xi 'an, it is necessary to have no commercial housing loan in the name of the purchaser (nationwide) before the minimum 3% of the first home can be paid.

for the second suite, you need to refer to the situation of the first suite (housing in the administrative area of Xi 'an) and the area of buying the second suite, which is subject to the bank's handling.

2. Down payment ratio of housing provident fund loans:

Note:

Xi 'an has suspended the deposit of employee housing provident fund loans outside this city (including Xixian New Area).

1. Who can use the provident fund loan?

Employees who have paid the housing provident fund in full for more than 12 months (the specific period is subject to the current loan policy) and have full capacity for civil conduct can apply for housing provident fund loans when purchasing, building, renovating or overhauling their own ordinary houses.

2. Loan amount of provident fund:

Loan amount = (balance of borrower's provident fund deposit account and spouse's provident fund deposit account) ×15 times× deposit time coefficient

If the balance of borrower's and spouse's deposit account is less than 2, yuan:

1. If the total account balance is less than 5, yuan, the loan amount shall not exceed 2, yuan at most;

2. If the total account balance is less than 1, yuan and 5, yuan or less, the maximum loan amount shall not exceed 25, yuan;

3, yuan or less and the total account balance is less than 2, yuan, the maximum loan amount shall not exceed 3, yuan.

note: for a family, the maximum loan is 5, for a single person and 65, for a couple.

3. Loan period:

The longest loan period is 3 years for purchasing commercial housing, affordable housing or raising funds to build housing;

if you buy a second-hand house, the sum of the loan period and the completed period of the house shall not exceed 3 years;

the longest loan period for the construction, renovation and overhaul of self-occupied houses is 1 years.

4

Now you are qualified to buy, and the down payment ratio is clear.

where should I learn about the house next? How to register? What are the rules for buying a house by lottery?

Let's

have a detailed look

Before we know all the purchase details, we must first understand the sales process of the real estate:

1. The price announcement form of the real estate by Xi 'an Housing and Construction Bureau.

2. The pre-sale certificate of the saleable building will be publicized by Xi 'an Housing and Construction Bureau.

3. Open online registration of real estate (registration for 3 days).

4. after the intention registration, if the number of houses is less than the registered number, the houses will be selected by themselves in the order of intention registration; if the number of houses is greater than the registered number, the house will be selected by public lottery.

On the determination of house purchasing qualification for the lottery rules:

For specific online registration, you can follow the following 1 steps:

Step 1: Online registration is conducted on the official website commodity housing sales publicity platform of Xi 'an Housing and Construction Bureau.

step 2: the developer reviews the data (starting and ending time is not less than 3 days and not more than 5 days);

note: the preparation of specific materials shall be subject to the requirements of the developer, and personal credit report shall be paid attention to. The lender may refuse the loan for three consecutive months or six times in total within two years.

In addition, Xi 'an has recently strictly investigated the source of down payment. For details, please refer to the following link: unprecedented! Xi' an strictly checks the source of the house payment, and this will be refused!

Step 3: The developer's data verification is over. ① If the number of houses is greater than the intended registration number, the house will be opened directly without lottery; (2) If the number of houses is less than the number of people who intend to register, you need to shake the number, and publicize the list of interested buyers in official website Notary Office of Xi 'an Municipal Bureau of Justice (not less than 3 days);

step 4: online lottery;

step 5: publicize the lottery results for at least 3 days;

step 6: select the house according to the notified location (or online, please consult the sales department for details);

step 7: publicize the results of house selection for at least 3 days;

step 8: sign the contract with the family who bought the house, and re-select other properties for intention registration for the families who didn't buy the house and didn't shake the medium size;

step 9: apply for mortgage loan;

step 1: handle online signing for filing; (Online signing is done in the sales department or the Housing Authority after signing the contract, and the filing is done in the Housing Authority within 3 days from the date of signing the contract)

5

Online signing process of buying a house

Online signing means that after both parties sign the contract, they go to the relevant real estate departments for filing and publish it online.

it is completed in the sales department or the housing management department after the developer has obtained the pre-sale certificate, and the buyers have also met the qualifications for purchasing houses, completed the house selection and signed the contract.

online signing process: selecting online signing time-preparing online signing materials-confirming online signing terms-completing online signing

filing is to go through the registration and filing procedures with the real estate management department and land management department of the people's government at or above the county level with the pre-sale contract of commercial housing within 3 days from the signing date.

filing process: contract filing-review-obtaining the filing number-printing the contract text-signing and sealing by both parties-completing the filing.

Scan the QR code below to inquire about the online signing of commercial housing sales contracts for filing:

It should be noted that the filing is carried out after the online signing is completed, and a record number will be returned after the real estate management department's audit. This record number is unique (many record numbers are contract numbers, please consult the staff of the sales department for details).

the online signing of commercial housing is very important, which is an official channel to prove that the house has its owner and avoid the situation of one room and two sales.

6

Fees after delivery

Most of the new houses currently on sale in Xi 'an are pre-sold, and the delivery time varies from 2 to 3 years.

when we repossess the house in the later period, we still need to pay the following fees.

1. Deed tax

2. Housing maintenance fund

Deposit standard of commercial housing maintenance fund:

Multi-storey residence (below 7 floors, without elevator): 6 yuan/square meter.

Multi-storey residence (equipped with elevator):

9 yuan/m2.

small

high-rise, high-rise residential (more than 7 floors, including 7 floors) 145 yuan/square meter.

3. Housing property registration fee

4. Area price difference

According to the Agreement in the Purchase and Sales Contract of Commercial Housing, the absolute value of area error ratio is within 3% (including 3%).

5. Stamp duty on license

5 yuan/copy; Cost of production, 1 yuan/Ben

6. Property fee

Before the house is closed by signature, the property fee shall be borne by the developer, and the property service fee shall be borne by the purchaser from the date of closing the house.

7. Other expenses

Heating cost: It depends on the heating mode and specific price of the community.

Water, electricity and gas charges:

Generally, there are separate cards, and the owner only needs to recharge them.

Parking fee:

Some owners need to buy parking spaces in residential areas, and this fee is aimed at owners who buy parking spaces.

these fees are generally incurred after the actual check-in, and the payment varies from person to person.

Note:

Deed tax and overhaul fund must be paid. If you don't pay the house, it is possible that the five certificates of this house are incomplete!

The above is the most comprehensive strategy for buying a house in Xi 'an!

I don't have to worry about buying a house, I hope it will help you.

don't forget to collect and forward, which is convenient for yourself and can help more people!