What should I do if I buy a house alone? 10 days of hot topics on the Internet and home buying guide
Recently, the topic of home buying has once again become a hot topic on the Internet, especially for single people who are buying a home for the first time. "How to go through the procedures of buying a house alone" has become a hot search term. This article will combine the hot topics of the past 10 days and structure the entire process of buying a house to help you achieve your home buying goals efficiently.
1. Top 5 hot topics about home buying on the Internet (last 10 days)
| Ranking | hot topics | Search volume trends |
|---|---|---|
| 1 | Single house purchase policy discounts | ↑45% |
| 2 | New regulations on provident fund loans | ↑32% |
| 3 | A guide to avoiding pitfalls in second-hand housing transactions | ↑28% |
| 4 | Self-examination method for home purchase qualifications | ↑25% |
| 5 | Simplified real estate certificate application process | ↑18% |
2. Detailed explanation of the whole process of purchasing a house
1. Confirmation of house purchase qualifications
| Material list | Processing channels | timeliness |
|---|---|---|
| ID card/household registration book | Housing Authority official website/window | 1-3 working days |
| Social Security/Individual Tax Certificate | Government Service APP | Instant query |
| Proof of marital status | Civil Affairs Bureau | Instant processing |
2. Funding preparation stage
| Project | business loan | Provident Fund Loan |
|---|---|---|
| down payment ratio | Starting from 30% | Starting from 20% |
| Interest rate range | 4.1%-4.9% | 3.1%-3.575% |
| Approval time limit | 7-15 working days | 15-30 working days |
3. Signing and transfer process
① Sign the subscription letter (note thatDeposit terms)
② Online visa filing (registration in the Housing and Urban-Rural Development Committee system)
③ Fund supervision (it is recommended to choose bank custody)
④ Pay taxes and fees (refer to the table below)
⑤ Real estate registration (obtaining real estate certificate)
| Tax type | first suite | Second suite |
|---|---|---|
| Deed tax | 1%-1.5% | 3% |
| stamp duty | 0.05% | 0.05% |
| registration fee | 80 yuan | 80 yuan |
3. Special considerations for singles buying a house
1.Ownership of property rights: It is recommended to clearly mark "solely owned" in the house purchase contract.
2.Will planning3.repayment ability: It is recommended that monthly payment should not exceed 40% of income
4.Policy preferences
4. Latest policy developments (updated in 2023)
1. Many places have launched a new model of "transfer with mortgage", shortening the second-hand housing transaction cycle by 50%
2. The number of cities covered by the provident fund's "inter-provincial universal service" has increased to 138
3. The real estate registration fee reduction policy will be extended to the end of 2025
Buying a home is a major life decision. It is recommended that single home buyers make the following preparations:
① Keep an emergency fund worth at least 6 months of monthly payments
② Check personal credit report in advance
③ Conduct on-site inspections of properties no less than 3 times
④ Consult a professional lawyer to review the contract
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