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北京按揭买房有哪些流程？问问？有没有人晓得？

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北京按揭买房有哪些流程？问问？有没有人晓得？

浏览：38次 | 提问时间： 07-17 05:28

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3个答案

青袅染汐 07-17 05:29

1、在数量上的规定。北京出台的“京十五条”中，明确规定对已拥有1套住房的北京市户籍居民家庭(含驻京部队现役军人和现役武警家庭、持有有效《北京市工作居住证》的家庭)，持有北京市有效暂住证、在北京市没拥有住房且连续5年(含)以上在北京市缴纳社会保险或个人所得税的非北京市居民家庭，限购1套住房(含新建商品住房和二手住房)。
2、在户口上的规定。如果你没有北京户口，也没有5年及以上的纳税或社保证明，就算有再多的钱，你都没办法在北京买房。根据中国房地产研究会副会长顾云昌的观点，方案中的限购措施，尤其是对外地人的限购措施，是目前国内最严格的限购措施。
3、交易需要的证件和流程。评估-地税局缴纳税款-财政契税征收处缴纳契税-房产登记中心过户二，按揭过户的流程评估-买卖双方到银行办理按揭申请-地税局缴纳税款-财政契税征收处缴纳契税-房产登记中心过户-办理抵押登记-银行放款给业主整个按揭交易流程需44个工作日。

何必执着 07-17 05:37

退休后不可以公积金贷款，因为银行不放贷（银行要核实个人的还贷能力才放款的）。但是如果你现在还在工作（退休再就业也行），就可以贷款到65岁，也就是13年按揭。详细的情况，各个市还是有区别的，建议去问问你买房的销售。

为你失去自己 07-17 05:46

外地在北京买房必须提供暂住证。同时提供身份证、结婚证和本人户口。如果是按揭贷款还要有个人的收入证明。那要单位给你开个证明就可以，不用拿你老公的户口和结婚证。买房必须要你的暂住证，所以北京买房暂住证需要。

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