Policy: Foreign residents must pay social insurance in Hangzhou for one year when they buy a house loan in Hangzhou.
Loan method: mortgage to buy a first-hand house or a second-hand house, the loan method is different, depending on your actual situation. For example, you can use portfolio loans, commercial loans or pure provident fund loans.
Information required for mortgage loan of first-hand house:
1. Copy of ID cards of husband and wife.
2 copies of the household registration book of both husband and wife
3. Copy of marriage certificate (if the household registration book shows that both parties are husband and wife, a copy of marriage certificate is not required; If the customer is unmarried, the unmarried certificate issued by the Civil Affairs Bureau can be provided; If divorced, you can issue an unmarried certificate at the Civil Affairs Bureau; Widowed, can be issued in the relevant units or streets widowed certificate).
4. The household registration certificate of both husband and wife
5. proof of income of both husband and wife
6. Copy of bank passbook and bank card (if the copy of passbook is a salary card, it should be linked to the income certificate).
Information required for second-hand housing mortgage loan:
1. ID card (husband and wife) and temporary residence permit (migrant population)
2. Household registration book (both husband and wife)
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate)
4 proof of income or solvency (issued by the unit)
5. Copy of business license stamped with the official seal of the company (made by the company)
6. Certificate of academic qualifications (provided by junior college or above)
7. Current passbook of the applicant's loan bank.
8. Other materials required by the bank.
The above are the relevant policies and materials needed for the loan to buy a house in Hangzhou, hoping to help the buyers who are ready to settle in Hangzhou to borrow money to buy a house.
(The above answers were published on 2015-11-18. At present, please refer to the actual situation for the relevant purchase policy. )
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