How to check which house is purchased? Analysis of hot topics on the Internet in the past 10 days
Recently, the topic of "how to check the number of properties under one's name" has become a hot topic on the Internet. Especially with the adjustment of property market policies in many places, home purchase qualifications and loan restrictions are directly linked to the number of properties. This article will combine the hot content of the past 10 days, structured analysis and query methods, and provide practical data reference.
1. Why do you need to check which house you want to buy?
1.policy restrictions: Many places implement the policy of “subscribe a house and subscribe for a loan”, and there is a significant difference in the down payment ratio and interest rate between the first home and the second home. 2.tax benefits: The first home can enjoy benefits such as deed tax exemption. 3.loan qualifications: Some cities restrict loans for three or more properties.
| city | Down payment ratio for first home | Down payment ratio for second home |
|---|---|---|
| Beijing | 35% | 60% |
| Shanghai | 30% | 50% |
| Shenzhen | 30% | 70% |
2. 4 official ways to check the number of real estate units
1.Real estate registration center inquiry: - Bring the original ID card to the window of the local real estate registration center to apply. - Some cities support online inquiries (such as "Suibibi", "Guangdong Province" and other apps).
2.People's Bank of China Credit Report: - The credit report will show the mortgage record, which indirectly reflects the number of properties. - Need to apply through bank APP or official website (free 2 times per year).
| Query method | Materials required | Timeliness |
|---|---|---|
| Offline window | Original ID card | Instant |
| Online APP | Face recognition + ID card | 1-3 working days |
3.Tax department inquiry: - Real estate transaction deed records can reflect historical home purchases. - The purchase contract or property ownership certificate number is required.
4.Official website of Housing and Urban-Rural Development Committee: - Some cities (such as Hangzhou and Nanjing) have launched the "Personal Housing Information Query" function.
3. Answers to hot questions (highly searched in the past 10 days)
Q1: Are properties in other places included in the number of units?- Most cities only count local properties, but first-tier cities may conduct nationwide online verification.
Q2: How is the pre-marital property calculated after marriage?- If you repay the loan together after marriage, it may be regarded as family property; the specifics are subject to local policies.
| Marital status | Property ownership | Set number calculation rules |
|---|---|---|
| Full payment before marriage | personal property | Not included in the number of spouses |
| Repaying the loan jointly after marriage | common property | Included in family units |
4. Precautions
1. There may be a lag in query results, so it is recommended to prepare one month in advance. 2. Commercial apartments, houses with small property rights, etc. may not be included in the number of residential units. 3. If a system error is found, please contact the housing and construction department for correction in time.
Summary: Inquiring about the number of real estate units is a necessary step before buying a house. Accurate information can be obtained quickly through official channels. It is recommended to rationally plan a home purchase strategy based on local policies and personal needs.
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