Matters needing attention in buying a house in Beijing
Precautions for buying a house in Beijing-Precautions for novice buyers for the first time;
First, the determination of the goal of buying a house
Rational and planned consumption-the premise of buying a house. Decide your own property according to your own income, expenditure and other actual conditions. Don't buy a house just to buy three rooms and two halls, one step at a time; However, from the actual situation, a good plan can actually meet the basic housing needs and avoid unnecessary extra burden, and it is very important to cultivate a gradient consumption concept.
Second, the accumulation of down payment for buying a house.
The accumulation of down payment for buying a house-the key to buying a house. Set a goal first, such as paying a down payment within five years after graduation, so in order to achieve this goal, distribute your income reasonably. Set aside a part of funds regularly every month and make a regular quota plan. Because if a compulsory savings plan with a regular quota is set up, a sum of money must be raised regularly every month, which means that the available funds must be reduced, so consumption can be more rational. Little by little accumulation is a fortune. In addition, it is suggested that you can borrow the down payment from your parents first and then pay it back later, which can shorten the accumulation time and reduce the potential price increase cost.
Matters needing attention in buying a house in Beijing-Matters needing attention in buying a house with a bank loan;
First, don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.
2. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.
Third, don't forget to find the bank around you if you have difficulties in repayment. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.
Fourth, don't forget to inform the rental obligation after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.
Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district/county real estate trading center where the property is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral.
Six, don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.
Matters needing attention in buying a house in Beijing-from the perspective of geomantic omen;
The first one is next to the overpass in the city
Choose your own place to buy a house. If it is not a special need, I hope not to buy a house there. It is inconvenient to buy a house there, and at the same time, high-speed vehicles will produce noise and spiral airflow, which will greatly damage and affect Feng Shui and have a negative impact on physical and mental health.
The second one is next to the intersection.
Living in this posture is easy to cause stomach diseases and even gastric cancer, lung and bronchial diseases and strokes.
The third one is next to the high-voltage tower and the TV tower.
The transmission capacity of TV towers is very strong, and some of them are not bad. There are many iron towers in China Unicom and China Telecom, and their electromagnetic waves will cause people's immune function decline, leukemia, schizophrenia, and even serious cancers. How many meters away from the electric tower is ok, and houses 300 meters away are generally better.
Fourth, it is best not to live next to a gas station.
There are more cars and more gas stations now. Some people may choose the location near the gas station for convenience, but the oil contains a lot of harmful substances, such as lead, which is extremely harmful to health.
The fifth is opposite the glass curtain wall.
Glass curtain wall will produce luster and pollution, which is very harmful to people's health. Can buildings be decorated with glass? Now, many buildings have changed the decoration of glass curtain wall on the external wall. Long-term exposure to light pollution will have an impact on health. The first common diseases are glaucoma and eye pain. Cataract, chronic conjunctivitis and keratitis.
Sixth, each of us has a house, and our balcony, especially the master bedroom, should not face the straight line of the road.
I have met many such owners, and their health is generally not very healthy. This kind of rush, especially the airflow, makes people easy to catch a cold.
Seventh, our balcony and master bedroom should not face sharp corners.
If you don't avoid it, Mr. Feng Shui says it's a sharp knife, and the owner's spirit is very poor, even leading to schizophrenia.
Article 8 is the residence next to the railway.
Most workers living near the railway are very prone to deafness, poor hearing and relatively short life expectancy.
Article 9: People who live in villas or yards should not surround the walls very high.
The tenth is that you can directly see very high chimneys and even cemeteries outside the house.
What are the requirements for buying a house in Beijing?
Beijing's housing policy is divided into two categories: Beijing hukou and non-Beijing hukou. For Beijing residents, they can only buy two suites at most. Non-Beijing hukou, you can buy one set after paying taxes for five years. Specifically, it is 1 housing (including families of active servicemen and armed police stationed in Beijing, families with valid work residence permits in Beijing, the same below) and non-local households with valid temporary residence permits who have not owned housing in this city and have paid social insurance or personal income tax in this city for more than five years (inclusive).
One: tax payment certificate (individual income tax) or social insurance certificate for five consecutive years in Beijing;
Two: a valid Beijing temporary residence permit;
Three: The buyer has no room in Beijing. If he got married, neither husband nor wife has a house in Beijing now;
Id card, marriage certificate, household registration book.
Five: Buying a suite with a loan outside Beijing meets the above conditions. The down payment is more than 60%, including 60%, and the loan interest rate rises 10%.
Can I settle down when buying a house in Beijing?
In order to help more friends understand Beijing's housing policy, Bian Xiao has compiled the following information for you.
1. Couples take refuge (the refuge person is over 45 years old and married 10 years; Those who have taken refuge for more than 45 years but under 55 years of age have been married for 5 years; If you are over 55 years old, you should have been married for 2 years)
2. Students enrolled or graduated from colleges and universities;
3. Transfer of personnel from other provinces and cities; (State-owned enterprises)
4. Buying a house for household registration (but the house you want to buy must be in a designated place, generally in eight towns such as songzhuang town in Tongzhou District and Beiqijia Town in Changping District, Beijing) According to the Trial Measures for Household Registration Management in Beijing Suburban Construction Pilot Towns formulated by the Beijing Municipal People's Government and implemented by the Beijing Municipal Public Security Bureau, there are three conditions for buying a house and opening an account in Beijing: First, it must be a foreigner who has a legally fixed residence and a stable source of life in the pilot towns; Second, the pilot towns must have a certain proportion of investment; Third, talents with professional titles such as science and technology, education and management who have made outstanding contributions to enterprises and institutions in pilot cities;
5. invest in moving accounts! But there are three conditions: the tax payment of private enterprises and individual industrial and commercial households, the operating time in Beijing (more than 3 years), and the number of local workers in Beijing.
Buying a house in Beijing is not only expensive, but also a prerequisite for foreigners to buy a house. Before buying a house, your social security or personal income tax must be paid for five years. And it must be continuous, not counting the ones that are broken in the middle. To do business in Beijing, you have to pay business tax for five consecutive years. In addition, you must hold a valid temporary residence permit in Beijing. In addition, foreigners are only allowed to own a house in Beijing. Even if a family has a house with outsiders, it can't buy a second house.
The above is about the matters needing attention in buying a house in Beijing. I hope it will help everyone!
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