The procedure for buying a house is as follows:
1. To buy a new house, you need to prepare the following materials: sign a gold agreement, sign a sales contract, pay a down payment, sign a loan contract and a mortgage contract, apply for a birth certificate ID card, a marriage certificate (or a single certificate), a household registration book, a child's birth certificate with children, and a provident fund account number.
2. Buying a new house needs to confirm whether it meets the conditions for buying a house, whether it is the first set or the second set (it is also necessary to confirm whether the previous bank credit is good or not, which also affects the identification of the first set or the second set), and the loan method is provident fund loan, commercial loan or portfolio loan.
3. Pay attention to the provident fund loan: the maximum loan for the provident fund account is 300,000 yuan and 400,000 yuan for the supplementary provident fund. The provident fund is a family unit, and both husband and wife can jointly borrow, with a maximum loan of 800,000 yuan, and the interest rate of provident fund loans is much lower. Look at the cash and down payment before buying a house.
4. The process of buying a second-hand house: determining the desirable housing, agreeing with the owner to see the house, determining the purchase intention, signing the sales contract and the second-hand house sales contract with the ID card and deposit, paying the down payment of the loan, transferring the property right, transferring the land certificate, paying the final payment, moving out of the account, and handing over the house for inspection.