Beijing is our capital, and its housing prices are relatively expensive. For friends who have just started working, the principle is still relatively large. So do you know what are the things to pay attention to when buying a house in Beijing? What are the requirements for buying a house in Beijing? What conditions? Next, let us understand it from the following aspects.
Things to note when buying a house in Beijing
Things to note when buying a house in Beijing---Things to note when newbies buy a house for the first time:
1. Determination of the goal of buying a house
Rational and planned consumption - the prerequisite for buying a house. Determine the property that suits you based on your income, expenses and other actual conditions. Don’t just buy a house with three bedrooms and two living rooms, and do it in one step; instead, start from your actual situation and plan well, as long as it can meet the basic living needs, avoid unnecessary additional burdens, and cultivate gradients The concept of consumption is very important.
2. Accumulation of down payment for buying a house
Accumulation of down payment for buying a house - the key to buying a house. First set an initial goal, such as paying a down payment within 5 years after graduation. Then in order to achieve your goal, allocate your income reasonably. Set aside a fixed portion of funds every month and develop a regular fixed amount plan. Because if a mandatory savings plan with a fixed amount is opened, a fixed amount of funds must be withdrawn every month, which means that the available funds must be reduced, and consumption must be more rational. The accumulation of bit by bit is a fortune. In addition, it is recommended that you borrow the down payment from your parents first and pay it back gradually in the future to shorten the accumulation time and reduce potential price increases.
Things to note when buying a house in Beijing—Things to note when buying a house with a bank loan:
1. Do not use your provident fund before applying for a loan. If the borrower withdraws the provident fund balance before the loan is used to pay for the house, the provident fund balance on your provident fund account will be zero, and your provident fund loan limit will also be zero, which means that you will not be able to apply for a provident fund loan. .
2. Do not repay in advance within the first year of borrowing. According to the relevant provisions of provident fund loans, partial early repayment should be made after one year of loan repayment, and the amount you repay should exceed 6 months' repayment amount.
3. If you have difficulty repaying your loan, don’t forget to find a bank near you. When your repayment ability decreases during the loan period and you have difficulty repaying the loan, don't hold on to yourself. ICBC customers can apply to ICBC to extend the loan period. If it is found true after the bank's investigation, and the loan principal and interest are not in arrears, ICBC will accept your application to extend the loan period.
4. Don’t forget to notify your obligation when renting a house after taking a loan. When you rent out a mortgaged property during the loan period, you must notify the tenant in writing of the fact that it is mortgaged.
5. Don’t forget to cancel the mortgage after the loan is paid off. After you have paid off all the principal and interest of the loan, you can go to the real estate transaction center in the district or county where the property is located to cancel the mortgage with the bank's loan settlement certificate and other certificates of real estate rights of the mortgaged property.
6. Don’t lose the loan contract and IOU. When applying for a mortgage loan, the loan contract and IOU signed between the bank and you are important legal documents. Since the loan term can be up to 30 years, as a borrower, you should keep your contract and IOU properly.
Things to note when buying a house in Beijing—Things to note when buying a house based on Feng Shui:
The first one is next to an overpass in the city
Choose the location where you want to buy a house, if not For special needs, I hope not to buy a house there. Buying a house there is not convenient for transportation. At the same time, high-speed vehicles will cause noise and spiral airflow, which will have a very damaging and disruptive effect on Feng Shui, and will have an adverse impact on physical and mental health.
The second is next to a crisscrossing road
Living in this location can easily cause stomach problems and even gastric cancer, lung and bronchial diseases, and cerebral stroke.
The third is next to the high-voltage power tower and the TV tower
The transmitting power of the TV tower is very strong, and some with smaller transmitting power are okay. China Unicom and China Telecom have many Tower, its electromagnetic waves can cause a decline in human immune function, cause leukemia, schizophrenia, and in severe cases, various cancers. How many meters away from the electricity tower is good? Houses 300 meters away are generally better.
The fourth is that it is best not to live next to a gas station
Now that there are more cars and more gas stations, some people may choose a location close to the gas station for convenience. , but the oil contains a large number of harmful substances, such as lead, etc., which is extremely harmful to health.
The fifth is the opposite side of the glass curtain wall
The glass curtain wall will produce light and cause pollution, which is very harmful to the human body. Can the building be decorated with glass? There are already many buildings with exterior glass. The curtain wall decoration has been changed, and long-term exposure to light pollution will have an impact on health. The first diseases that are easy to get are glaucoma, eye swelling and pain; cataracts, chronic conjunctivitis, and keratitis.
Sixth is that each of us has a house. Our balcony, especially the master bedroom, should not face the straight line of the road.
I have seen many such owners. Their bodies are generally not very healthy. This kind of flushing, especially the inflow of air, makes people susceptible to colds.
The seventh is that the balcony and master bedroom of our house should not face sharp corners
If not avoided, Feng Shui masters say that it will be a sharp knife evil, and the owner will be in poor spirits and even cause schizophrenia. .
Item 8 is residences next to railways
Most of the workers who live next to railways are very susceptible to deafness and poor hearing, and their lives are relatively short.
Article 9: If you live in a villa or a courtyard, don’t build a high fence.
Article 10 is that very tall chimneys and even cemeteries can be seen directly from outside the house.
What are the requirements for buying a house in Beijing?
Beijing’s house buying policy is divided into two categories: Beijing household registration and non-Beijing household registration. For Beijing citizens, they are not allowed to buy more than two houses. For non-Beijing residents, they are not allowed to buy more than two houses. For those with a Beijing household registration, the purchase of one unit is limited to 5 years of tax payment. Specifically, for households registered in this city that already own one house (including families of active-duty military personnel and active-duty armed policemen stationed in Beijing, families holding a valid "Beijing Work and Residence Permit", the same below), and those holding a valid temporary residence permit in this city. Non-local resident households that do not own a house in this city and have paid social insurance or personal income tax in this city for more than five consecutive years (inclusive) are limited to purchasing one house (including newly built commercial housing and second-hand housing).
1: Proof of paying taxes (referring to personal income tax) in Beijing for five consecutive years or social insurance certificate of five consecutive years in Beijing;
2: Having a legal and valid temporary residence permit in Beijing;
Three: The home buyer does not have a house in Beijing. If he is married, the couple does not have a house in Beijing;
Four: ID card, marriage certificate and household registration book.
Five: If you have bought a house with a loan outside Beijing and meet the above conditions to buy a house in Beijing with a loan, the down payment must be more than 60%, including 60%, and the loan interest rate will rise. Ten percent.
Can I settle down by buying a house in Beijing?
In order to help more friends understand the policy of settling down in Beijing by buying a house, the editor has compiled the following information for you.
1. Couples seeking refuge (the person seeking refuge must be over 45 years old and married for at least 10 years; if the person seeking refuge is over 45 years old and not over 55 years old, the marriage must be at least 5 years old; if the person seeking refuge is over 55 years old, the marriage must be at least 5 years old) 2 years)
2. Students admitted to colleges and universities or assigned after graduation;
3. Personnel transfer work from other provinces and cities; (state-owned enterprises)
4. When buying a house, apply for household registration (but the house purchased must be in a designated place, generally in the outer suburbs such as Songzhuang Town, Tongzhou District, Beiqijia Town, Changping District, etc.) According to the regulations formulated by the Beijing Municipal People's Government The "Trial Measures for Household Registration Management in Beijing Suburban Small Town Construction Pilot Towns" implemented by the Municipal Public Security Bureau stipulates that in order to buy a house and apply for household registration in Beijing, three conditions must be met: First, you must have a legal fixed residence and stable residence in the pilot towns. Non-local personnel with a source of livelihood; secondly, they are allowed to invest a certain proportion in the pilot towns; thirdly, they are technology, education, management and other talents with professional titles who have made outstanding contributions to enterprises and institutions in the pilot towns;
< p>5. Investment transfer of household registration! But there are three conditions: the tax amount of private enterprises and individual industrial and commercial households, the time of operation in Beijing (more than 3 years) and the number of local migrant workers absorbed in Beijing.Not only is the price of buying a house in Beijing high, but there are also prerequisites for foreigners to buy it. Before buying a house, your social security or personal income tax must be paid for five years. And it must be submitted continuously, and any interruption in the middle will not be counted. If you are doing business in Beijing, you need to pay business tax for five consecutive years.
Moreover, you must also hold a legal and valid Beijing temporary residence permit. In addition, outsiders are only allowed to own one house in their name in Beijing. Even if there are outsiders in a family who already own a house, they cannot buy a second house.