Two or three things about buying a house in Guangzhou

In March 2015, I started thinking about buying a house. My baby is over a year old, so I need to make preparations for going to school. At the beginning, I discussed with my family about going back to my hometown to buy a house. Once I got home, the house should not be too small, and there were many relatives in my hometown, so I had to welcome me when I came. There is no market for programmers in Jingzhou, it is difficult to find jobs and the wages are low. It is estimated that it will be a tight day when I get home. If Wa'er has any prospects, it is estimated that he will have to leave Jingzhou in the future. Buying a house in Jingzhou is definitely a commercial loan, and in Guangzhou, you may be able to use a provident fund loan, which can save a lot of interest. In the future, it is better to take social security in Guangzhou than in Jingzhou, so it is more appropriate to stay.
Many districts in Guangzhou have considered it. Tianhe, Yuexiu, Haizhu, Liwan, and Baiyun are all expensive in central urban areas. You don’t need to think about first-hand houses. Huangpu chemical industry is more polluting and the house price is not low, so there is no intention to buy a house here. Nansha and Luogang are either deserted or heavily polluted, and there is no suitable real estate. Conghua and Qingyuan are too far away and too poor to be suitable for working people. Panyu is actually a very ideal living area, but the price is not cheap. After going to the Asian Games City, I still haven't found a building that I like, and there are some unbearable defects. Zengcheng is also far away, and Xintang, the only area close to the central city, is not well planned and constructed. In the end, I chose Huadu District behind Baiyun District. Huadu District is mainly Xinhua Town. The overall construction and planning are average. Fortunately, there is no major pollution and relatively strong popularity. In Xinhua, I saw some decent real estate, the price is not low, and the three-bedroom is also very stressful. In the end, after searching for a long time, I settled on a project of Greenland in Dahua Market. It has a small apartment with two bedrooms. There are Tangshu Primary School and Kuang Weiyu Middle School in Huadu No. 2 within 600 meters. It is a good school district.
In April, Greenland hadn't obtained the pre-sale certificate yet. Li Weichen, the salesperson who received me, said that in order to grab the house, a directional reservation contract should be made, and the down payment would be managed by CCB. After the pre-sale certificate was issued in May Using this money to sign a house purchase contract is a bit of an off-the-plan property. I asked some friends around me, and after eliminating my doubts, I went to CCB to do it.
In late May, the pre-sale certificate was issued, and I ran over to CCB to unfreeze the funds, signed a subscription contract and a sales contract with Greenland, and signed a provident fund loan contract with CCB. When signing the loan contract, I prepared a bunch of materials:
# ID cards and copies of both spouses
# The first page of the husband and wife's household registration book and their own pages and their photocopies
# The marriage certificate of the
husband and wife and their photocopies# The half-year running water of the salary cards of the
husband and wife# Income certificate issued by the husband and wife company (with the company's official seal)
# The lender's provident fund deposit certificate and Provident fund details
# The lender's social security participation certificate and details (social security for 3 consecutive years in the last 5 years)
# House search form (in the family unit, if there is a previous name)
# CCB card for repayment by the lender As well as a
copy , it is troublesome enough to go to the Housing Administration Bureau, the Social Security Bureau, the Provident Fund Center, and the bank, and also to find a company to provide proof of income. When signing the house purchase contract, you will also need to pay the housing maintenance fund and mortgage lawyer fees, and you will be given a "Housing Maintenance Fund Payment Notice". In the future, you will need to take this notice and the sales contract to CCB in exchange for the "Residential Special Maintenance Fund Registration Book" ". One week after signing the house purchase contract, I got the invoice for the first installment from Greenland's finance department. After the loan is successful and the first installment loan is deducted, I can get the mortgage invoice from the finance company. The approval process for provident fund loans is very long. The records I see online are as follows:
# Bank approval and acceptance, 2015-05-21
# Provident fund center data approval, 2015-06-10
# Bank approval and acceptance, 2015-07-07 , because of the problem with the data, it was returned and re-approved, which was delayed for nearly a month.
# Provident Fund Center data approval, 2015-07-17
# Signing the loan contract and going through the mortgage procedures, 2015-09-24, the couple went to Huadu The Provident Fund Center has done a face-to-face signature
. # Bank lending scale approval, 2015-09-24
# Provident Fund Center lending scale approval, 2015-09-29
# Central financial lending approval, 2015-09-30
# The loan was successful, 2015-09-30
The entire loan process should normally be completed within 3 months, and the same date in the next month after the loan is successful is the first repayment date.
After two instalments were paid, I received a notice to go to the Provident Fund Center to get the loan contract. Then I thought about taking out the provident fund of the two people, and made an appointment on the provident fund website for a CCB outlet that can handle provident fund business, and then there was a pile of information:
# ID cards and copies of both husband and wife
# Marriage certificate and copies
# The original and copy of the sales contract# The original and copy of the
loan contract
# The first invoice (first-hand house) and the copy
# The housing provident fund withdrawal application form (the company's official seal needs to be stamped) and the copy
# The CCB card and copy of the provident fund transfer
After the counter staff registered and scanned, they said that the approval would be completed and credited to the account within a week. If the information did not change, an agreed extraction would be made every six months.