Buying a house in Chengdu generally has these conditions. First of all, households with registered residence in Chengdu already have 1 apartment in the main city, so they can buy a second apartment (including newly-built commercial housing and second-hand housing), and they also need to suspend the purchase of a third apartment. Secondly, families with foreign household registration who have no housing in the main city of Chengdu can also rely on the tax payment certificate or social insurance payment certificate of this city for more than 1 year, so they can also postpone the purchase of a second house in the main city of this city. Then, families with non-local household registration need to stop buying houses in the main city of Chengdu if they can't provide the tax payment certificate or social insurance payment certificate of this city. Finally, in view of the relevant purchase restriction policy, the couple of buyers are not qualified to buy the third suite, and the parents of buyers are also unable to provide the tax payment certificate or social insurance payment certificate of this city, nor are they qualified to buy a house. Therefore, if they can't buy a house, there is no loan problem.
When foreigners buy a house, provident fund loans are generally not allowed. However, as long as there is no problem with the personal credit record of the relevant buyers and they can provide relevant collateral, usually the property with state-owned property rights, they can apply for mortgage loans from banks. The general process is that the appraisal company entrusted by the bank conducts relevant appraisal of the property within 3 working days, and the preliminary examination of the bank is over within 7 working days. At the same time, if it is within 15 working days, the bank will also finalize the loan. But if an individual does it, it is generally impossible to lend money within 15 working days. There are many reasons, most of which are information mismatch caused by unclear process.