You can work abroad as long as you haven't changed your ID card, but it is very troublesome to open an income certificate abroad. You'd better find an acquaintance to help you open an income certificate, that is, you need the official seal of the unit. The income certificate is still at least 2.2 times more than the monthly payment. Add a property management fee, but be careful not to set it too high, otherwise there will be the problem of paying personal income tax. Proof of income is generally a credit guarantee and a form of bank loan, but now the country has tightened the loan, so you should be cautious. In addition, when you can't sign a contract when you buy a house, you'd better get a notarized power of attorney.

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2. Can I borrow money to buy a house abroad?

People abroad, as long as they are China citizens or apply for mortgage according to normal procedures, they and their spouses cannot apply for provident fund without provident fund, and provident fund loans can only be used by themselves and their spouses. Information required for housing loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Property title certificate or purchase contract;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required). Process: 1. Apply for a loan from a bank; 2. After the acceptance of the bank, evaluate the value of the mortgaged property and verify the loan amount according to the evaluation value; 3. Sign a loan contract, etc. ; 4. Apply for real estate mortgage registration; 5. Bank loans.

3. How do foreigners apply for mortgage loans in domestic banks in China?

You can apply for a first-hand housing loan at the business outlets of China Bank. The required materials include: 1, loan application; 2. A valid residence certificate with legal effect; 3. Proof that the down payment of the purchased house has been paid; 4 proof of economic income (including but not limited to the borrower's family income certificate, tax payment certificate, bank statement, etc.). ); 5. A legal and effective procurement contract or agreement; 6. List of mortgaged (pledged) items, proof of ownership, and proof that the person with the right of disposition agrees to mortgage (pledge); 7. The guarantor (if any) agrees to provide loan guarantee and its credit certificate; 8. Relevant documents authorizing the lender to inquire about the personal credit information system of the People's Bank of China and record the inquiry results; 9. Laws, regulations, regulatory provisions and other supporting documents or materials required by the lender. Specific application materials and handling requirements shall be subject to China Bank outlets. When applying for personal second-hand housing loan, in addition to the above information, the following information is required: 1, valid identity certificate of the seller (including * * *); 2. The valid ownership certificate of the house to be sold; 3. A written document signed by the owner of the house agreeing to sell the house; 4. The leased house must provide the lease contract and the letter of commitment that the lessee waives the preemptive right; 5. Other documents or materials required by the lender. Specific application materials and handling requirements shall be subject to China Bank outlets. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

4. How to entrust my wife to buy a house in China and apply for a mortgage abroad?

Find a notary office and write a power of attorney, but in this case, people are not on the scene, which is generally feasible. In addition, some banks support remote video signing, please ask.