What's the difference between deposit and deposit? Although there is only one word difference between "deposit" and "deposit", their legal meanings are quite different. "Margin" includes the nature of margin. According to the contract law, the deposit can be used as a guarantee for creditor's rights. After the performance of the contract, the buyer and the seller shall offset the price or recover the deposit. If the buyer fails to perform the deposit contract, he has no right to demand the return of the deposit; If the seller or developer who collects the deposit fails to perform the deposit contract, it shall return the deposit twice. "The word' deposit' is not expressly stipulated in the law. Generally, it only refers to a price paid in advance, and there is no compensation for breach of contract.

Buying a house flow chart

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Signature process

When signing the contract, you should bring the following materials: 1) deposit receipt, original ID card (married people should bring the original ID card of both husband and wife and the original marriage certificate) 2) personal seal 3) original household registration book or household registration certificate 4) original income certificate.

Buying a house flow chart

three

Loan methods: provident fund loans, commercial loans.

Provident fund loans You can apply for provident fund loans after paying the provident fund continuously for 6 months. For individuals, the maximum amount of ordinary provident fund loans is 200,000 yuan, and the maximum amount of loans can reach 300,000 yuan if the unit pays supplementary provident fund. Log in to Yongxing County Provident Fund Network to inquire about your loanable amount, and the minimum and maximum loan years.

If the commercial loan meets the loan conditions, the bank will provide you with a loan to buy a house. Under normal circumstances, the bank provides 70% loan for buying a new house or a new house with a house age of five years; If you buy a house for five to ten years, you can get a 60% loan ... Please refer to the specific regulations of each bank for details of the loan.

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Loan process

If you buy more than one house because of the loan, or the buyers are older, or your personal credit record is bad, you can apply to the bank to change the main lender. Parents, children or other immediate family members are the main lenders who provide repayment. As a participant in the loan, the buyers themselves participate in the repayment of the loan. This will ensure that you can successfully apply for a mortgage. If it is because of personal wage income, it can't meet the requirements of the bank (monthly repayment only accounts for 50% of monthly income), and it is impossible to apply for a mortgage smoothly. You can provide the bank with other income certificates except salary income. Such as housing lease contract, dividend income certificate, etc. You can also use property certificates such as real estate, securities, jewelry and art collections to prove to the bank that you have sufficient repayment ability.

If it is because the second-hand house is too old, or it is impossible to issue a personal tax bill to the bank to prove the authenticity of the income. Might as well take advantage of different bank loan regulations and try another bank. You can negotiate with the developer or intermediary company and go to a non-designated bank for remortgage business through the guarantee company.

Buying a house flow chart

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Acceptance process

Check the House Quality Guarantee, House Use Manual and Completion Acceptance Record Form: Pipeline Distribution Map of the house before moving in-check whether the commercial house delivered to you is consistent with the commercial house to be purchased signed in the contract and whether its structure is consistent with the original design drawings. Whether the housing area has been measured by the real estate department and whether it is different from the contracted area. -Check the Record Form of Beijing Construction Project Completion Acceptance for the whole purchased commercial house. Only with this form can it be shown that the building has passed the acceptance of relevant departments. -Check and hand over the purchased commercial house together with the developer * * *. Mainly pay attention to the following points: First, check the quality of the house in detail, including whether there are cracks in walls, doors and windows, balconies and other parts; ...

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Fees need to be paid during the transaction.

1, stamp duty: five ten thousandths of the house price.

Fees to be paid for property right certificate

1. Registration fee: 0.3 yuan per square meter of the building;

2. Property ownership certificate fee: 4 yuan/capital.

3. Stamp duty: 5 yuan/piece.

4. Deed tax: 65438+ 0.5% of the house price paid by ordinary houses; (Note: villas, resorts and buildings whose price per square meter is more than double the average price of commercial housing in the previous year are high-grade houses, and they are not entitled to this tax rate, but still paid at 3%).

5. The public part of the house has equipment maintenance fund: 2% of the purchase price.

There is a charge when you check in.

1. Property management fee and heating fee: heating fee 18-30 yuan/m2/heating season (note: heating fee should be paid when you check in, but not before the heating season).

Fees to be paid for mortgage

1. Attorney's fee: 0.3% of the loan amount.

2. Insurance premium: property insurance premium = total house price * annual rate * service life coefficient. Enjoy high-level sex at one time.

China Construction Bank adopts Pacific Insurance Company with an annual interest rate of 0.056%.

ICBC adopts Huatai Insurance Company with an annual interest rate of 0.056%;

The head office of CCB and CITIC adopt PICC with an annual interest rate of 0.045%.

You have to pay for the provident fund.

1. Appraisal fee: 0.5% of the appraisal result will be charged for the part below appraisal price 1 10,000, and 0.25% for the above part.

2. Insurance premium: property insurance: insurance premium = loan amount * annual rate * service life coefficient.

Comprehensive insurance: insurance premium = corresponding coefficient of lender's years * loan amount.