Ji’nan purchase of housing loan does not recognize the expected recovery after 10 days before the ne magicq

Ji’nan purchase of housing loan does not recognize the expected recovery after 10 days before the new net signed 8 am, five departments jointly released the "Ji’nan edition" rules for the purchase of the property market, has aroused widespread concern in the real estate developers and the public. Want to buy a house or is the transfer of property buyers, have their own circumstances, the purchase of the new deal, how to purchase the focus of the topic. To this end, this reporter interviewed people to interpret one by one. Focus 1] pause signed the editor? Only 10 days before the new suspension is expected after the resumption notice mentioned in the suspended net signed refers to buy new houses, second-hand housing net signed suspended, does not include." Ji’nan city authorities informed sources told reporters that the emergency notice on the morning of 8 urban and Rural Construction Committee issued, referred to "suspend the network to sign, many people think that the second-hand housing also stop net signed, this is actually a misunderstanding. "Because the purchase information query system is being upgraded, takes about two days, is expected 10 days before and after the commissioning is completed, the public can buy new houses by the developers signed." Compared with the new net signed pause, second-hand housing net signed is still hot. 8, 8 am, after seven road property building two floor trading hall, a large number of citizens queuing waiting for business. Different from the past, the East Hall added 4 "proof of purchase" window. The public trading second-hand housing net signed, need to queue in the family housing information query windows, and then go to another window for the sign. It is understood that the day to do the second-hand housing business, 30% involved in housing inquiry information proved that as of noon, a total of more than 30 copies of the proof. [focus 2] part of the single family temporarily can not buy a house? To verify the authenticity of the marital status of network will be able to do network reporter noted that many people arrived early trading hall, but can not do the transfer of second-hand housing. They are not because of housing information query and did not sign. Originally, 8 days of the introduction of the restriction rules, the married buyers have clearly defined, but other unmarried or divorced situation is not clear. At present, the information inquiry system of the Housing Management Bureau, the Civil Affairs Bureau and the public security bureau is being opened up, and the authenticity of the marital status of the applicant can not be implemented, so some singles can not do it for the time being." Site staff said that the legal age of marriage (male 22 years old, female 20 years old), but unmarried, divorced or widowed property buyers, the need for information networking to handle. "The opening time will be announced in time, please pay attention to the public."." [focus 3] loan did not pay off is there any impact? Housing purchase restriction does not recognize the loan three suites loan rules have not yet out "I have two sets of housing, buy third sets when the loan down payment ratio is how much?" The first two sets of house loans have not yet finished, is there any impact?" 8, many people mentioned the issue of loans, but also some restrictions on the purchase is "housing" or "recognition loan" unclear. Stakeholders explained that the purchase of "refers to the urban area of this Municipality has a housing situation, including in Lixia District, central city, Huaiyin District, Flyover District, Licheng District, Jinan District and high-tech area owned housing units." Housing management departments in the inquiry of housing, but also only investigate the family members of the property, no relationship with the loan. Third sets of labels

济南限购认房不认贷 预计10日前后恢复新房网签   8日凌晨,五部门联合出炉“济南版”楼市限购细则,引起了房地产开发商和市民的广泛关注。想买房或者正在办过户的购房者,都有着各自的情况,限购新政下如何购房成焦点话题。为此,本报记者采访有关人士进行一一解读。   [焦点1]“暂停网签”咋回事?   仅新房暂停预计10日前后可恢复   “通知里提到的暂停网签,指的是买新房的网签暂停,并不包括二手房。”济南市有关部门一知情人士告诉记者,8日凌晨市城乡建设委下发的紧急通知里,提到“暂停网签”,不少人以为二手房也停止网签了,其实这是误读。“因为购房人信息查询系统正在升级测试,需要两天左右,预计10日前后调试完毕,买新房的市民可以通过开发商网签了。”   与新房网签暂停相比,二手房的网签依然火热进行。8日8时许,经七路房产大厦二楼的交易大厅,已有大批市民取号排队等待办理业务。与以往不同,东厅新增了4个“限购证明”窗口。市民交易二手房办理网签,需要先在这几个窗口排队查询家庭成员住房信息,然后去另外的窗口办理网签。据了解,当天去办二手房业务的有三成涉及住房查询信息证明,截至中午共开出了30多份证明。   [焦点2]部分单身族暂不能买房?   要核实婚姻状况真实性联网后将能办网签   记者注意到,不少市民早早赶到交易大厅,却不能办二手房过户。他们是因为不能查询住房信息情况而没法网签。原来,8日出台的限购细则,对已婚的购房者有明确规定,但其他未婚或离异等情况并未明确。“目前房管局、民政局、公安局的信息查询系统正在打通,没法落实申请人婚姻状况的真实性,所以一些单身族暂时不能办。”现场的工作人员说,达到法定结婚年龄(男22岁 女20岁)但是未婚、离异或丧偶的购房者,需要等信息联网后才能办理。“具体时间开通将及时公布的,请市民留意。”   [焦点3]贷款没还清是否有影响?   限购认房不认贷三套房商贷细则尚未出   “我已有两套住房,再买第三套时贷款首付比例是多少?前两套房子贷款未还完是否有影响呢?”8日,不少市民提到了贷款问题,也有人对限购是“认房”还是“认贷”搞不清楚。   相关人士解释说,限购是指“本市市区范围拥有住房情况,包括在历下区、市中区、槐荫区、天桥区、历城区、长清区和济南高新区范围内拥有的住房套数。”房管部门在查询住房情况时,也只考察家庭成员名下房产,跟贷款没有关系。对第三套房的商业贷款,相关银行并未给出明确答复。“今天下午各大银行开会了,预计这两天会出来细则。”知情人士说,目前有的银行不支持第三套房商业贷款,调控限购之下,会有更多的银行收紧,不给第三套房放贷。   限购下咋网签、咋贷款?   看看这几个例子   1   小明和小丽今年结婚,两人户口都在各自父母户口簿上,双方家庭在济南各有住房两套,这种情况还能再买房吗?   答复:限购认定是以家庭为单位,虽然夫妻双方不在一个户口簿上,但限购查询仅参考家庭成员,即夫妻双方和未成年子女的住房情况。两人名下无房,不在限购之列,还能在市内六区买三套房。   2   小丽的户口在父亲户口簿上,她名下有一套房子。小明的户口挂在母亲的户口簿上,他母亲名下有一套房,若两人结婚买房算第几套,限购吗?若再贷款买房,首付比例多少?   答复:因为小丽名下有一套住房,两人再买房算作第二套,贷款首付比例为40%。   3   10月2日,小明认购了一套房子,并于10月3日按照20%交了首付并网签,目前家庭成员名下已经有一套房且无贷款,那么这套房网签了是否就算拥有第二套房了?办理贷款是否需要补交首付?   答复:限购令细则实施以10月3日零时为准,3日前网签了的,政策没有变化。如果是3日网签,需要去查询开住房信息证明,首付款也由30%提高到40%。   4   小明名下有两套房,上月底又买了一套房,于3日前网签,现在用公积金贷款还需要追加首付吗?   答复:这次政策调整,家庭用于购房的公积金贷款最高额度由70万元调整为60万元,个人公积金贷款最高额度由40万元调整为30万元。10月3日前网签,不会影响小明公积金贷款。不过要是3日后网签,按照“本市户籍家庭购买第三套住房不提供公积金贷款”,小明这套房将不能公积金贷款。   5   9月底,27岁未婚的小龙认购了一套房,但未及时网签,当时按照首套房20%比例准备了首付款,新规施行后,小龙买房和贷款有影响吗?   答复:小龙需要等系统联网后再办理网签,另外首付比例方面,也将按照新规执行,首付由20%涨到30%。   新动态   中介炒号倒号 重者清出市场   8日,市房管局下发通知,各房地产中介机构应积极协助购房家庭申请住房限购资格核查,并认真对购房家庭购房资格初步审核。不得参与新建商品房项目开盘炒号倒号,侵占、挪用房地产交易资金,为不符合交易条件的保障性住房和禁止交易的房屋提供经纪服务,以及存在其他侵犯群众购房权益和损害房地产市场健康发展的行为。对违反以上规定的房地产中介机构和从业人员,责令限期改正;拒不改正或情节严重的,依法移交执法部门予以处罚;对严重侵害群众权益、扰乱市场秩序的房地产中介机构,依法将其清出市场。   限购住房情况咋查:   ◎买二手房   资料   购房人及家庭成员情况申报表、身份证明原件及复印件、婚姻证明原件及复印件、家庭成员的户口簿原件及复印件、委托其他人查询的,受托人出具经公证的委托书及本人身份证   程序   ①到济南市房产大厦(经七路88 号)申请出具限购住房信息情况查询证明   ②对于符合限购政策的出具限购住房信息情况查询证明,不符合条件的不予出具   ③在其他服务厅办理二手房网签过户业务的,可在服务厅窗口申请出具限购住房信息情况查询证明   哪些人现在能办过户?   能办   以家庭为单位的夫妻双方和未成年孩子买二手房单身男18~22周岁,单身女18~20周岁,不用在民政部门调查婚姻状况证明的。   暂不能办   男超过22周岁 女超过20周岁,且未婚单身、离婚单身、丧偶单身   提醒   办二手房买卖网签,需到房产大厦东厅6-9号窗口先办理查询。查询完后,再去另外一个窗口网签。   ◎买新房   资料   委托房企进行查询的,查询人出示授权委托书。其余材料同二手房申报材料。   程序   ①房地产开发企业核验材料,签署承诺,并将初验合格的购房人及家庭成员信息录入房地产信息系统,在系统中提交限购申请查询。   ②房地产开发企业依据购房人委托,携带购房人相关资料,到济南市房地产大厦申请核实。   提醒   房地产信息系统预计10月10日前后升级完即可网签。开发企业可在10月14日之前,将3日-7日已网签的购房者住房信息情况查明,若符合限购政策,可正常办理。对不具备购房资格的购房人,由开发企业汇总并于14日前上报市城乡建设委办理网签撤销手续。   原标题:济南限购认房不认贷 预计10日前后恢复新房网签相关的主题文章: