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Buying a house is a big event for everyone, even for most people, it takes a lifetime of hard work to complete. Therefore, most people will choose a loan to buy a house, just live in a good house in advance. Of course, there are many requirements for buying a house with a loan. Not everyone can successfully apply for a loan Housing loans have more restrictions on foreigners and multiple suites. So can I buy a house elsewhere? Let's take a look with Bian Xiao. \r\n 1。 Can I get a loan to buy a house in a foreign country? \ r \ nYou can apply for a loan to buy a house abroad. Of course, property buyers must meet the local loan conditions and policies. For example, there are many age restrictions, requiring the applicant to be a full civil actor aged 65,438+08, the age of male lenders and the loan period should not exceed 65, and the age of female lenders and the loan period should not exceed 60. \r\nSecond, what should I pay attention to when applying for a loan when buying a house in other places \r\n 1. I should pay attention to the materials needed for the loan. \ r \ The materials required to apply for a loan when buying a house in other places include the borrower's valid ID card, household registration book, proof of marital status, unmarried certificate, court civil mediation or divorce certificate, marriage certificate provided by single and married people, valid ID card and household registration book of spouse, etc. In addition, you need to prepare a local tax payment certificate or a salary income certificate for half a year in a row, that is, bank flow. Of course, there must be no shortage of real estate licenses. If you have not obtained the real estate license, you need to provide the purchase contract, and finally the guarantor's ID card and household registration book. \r\n2。 Pay attention to the down payment ratio of the loan to purchase a house \ r \ Buyers who borrow from different places need to provide the tax payment certificate and social insurance payment certificate of 1 year paid locally. If the documents are complete, the down payment ratio is more than 30%, limited to the first home loan. \ r \ Editor's summary: The above is an introduction about whether you can get a loan for buying a house abroad and the matters needing attention when applying for a loan for buying a house abroad. I hope what Bian Xiao shared can give you some reference. If you want to know more, you can pay attention to our family. Com for consultation.
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Can I get a loan from external account?
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We know that with the rise of housing prices, many people have to apply for loans to buy a house, but it is not so easy to apply for loans, and relevant conditions need to be met. The following small series will introduce you to a foreign account. Can I get a loan?
Can I get a loan from external account?
It is necessary to know that in general, handling loans in banks still values personal credit records and repayment ability, and there is no requirement for household registration. As long as the applicant has a stable job income and a good credit record, at the same time, he needs to have enough down payment certificate and local long-term residence certificate. If you own a car, you can also provide it.
The information we need to provide to the bank for review is usually as follows:
1. Personal payroll and daily report need to be provided to the bank.
2. At the same time, you should also show the credit investigation letter to the bank for the unit to fill in and seal.
All people who live in the local area must pay social security for more than one year, and at the same time, they must be sealed by the social security bureau.
If all your materials are submitted, the bank will review them.
What are the requirements for a loan in external account?
You should know that different loan types have different requirements:
1. To apply for a credit loan, a foreign hukou must first have a stable job, income and full capacity for civil conduct, preferably a fixed residence and good personal credit. To apply for a mortgage loan, it is necessary to provide collateral recognized by the lending institution as collateral.
2. If you are going to buy a car with a loan from a different place, there is generally no household registration restriction, but it also requires a stable income, a job and good credit.
3. If you buy a house with a loan from a different place, it depends on local specific regulations. It can be said that many places still rely on local regulations. Many areas have no restrictions on hukou, but they will stipulate how many years they have worked in the local area. Some places will also require social security, and they must have sufficient repayment ability and good personal credit.
Summary: So much for the relevant content about whether external account can get a loan. Generally speaking, there are no special requirements for hukou, as long as you have a stable income, work and repayment ability. If you want to know more about it, you can pay attention to our Qijia. Com for consultation.
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Can I get a loan for my house in other places?
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The house is very important to people, and it will not be used for loans under normal circumstances unless it is really troublesome, and if the house is in the field, it will bring trouble to people. So can the house be loaned in different places? What do you need to know about the house loan? Do you know that?/You know what? Now let's have a look.
1. Can I get a loan for my house in other places?
Under normal circumstances, the house can be loaned in different places, but it must meet the access conditions of various regions, so it needs to be confirmed to the local bank. In addition, the housing loan must meet several conditions: ① the service life of the house should not exceed 20 years; The housing area is more than 50 square meters; (3) The location of the house should not be too biased.
Second, what should I know about house loans?
1. Applying for a personal housing loan can relieve personal pressure, but before that, you need to have a thorough understanding of your current situation. For example, what is an individual's economic strength and whether he can afford the later repayment? If the salary is much lower than the monthly payment, then it needs careful consideration.
2. If you buy a house with a loan, you need to choose a suitable bank. As long as individuals do not buy faster, they can choose the right bank according to their own intentions. There are many different services for buying a house mortgage loan, so try to choose the one that is most beneficial to you. After all, no one will dislike big discounts.
3. Next, choose the appropriate loan method according to your actual situation. If individuals want to better grasp the monthly payment, and the burden is not too great, they can choose equal principal and interest. And if you want to reduce loan interest and have strong repayment ability, you can choose average capital.
As for whether the house can be loaned in different places, I will introduce you here first. Are you clear? The house can also be loaned elsewhere. The best way is to go to the bank and ask clearly, so as to handle the loan better.
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