You can buy a house in Ningde by paying social security for one year. ＜/strong＞

After paying social security for one year, you can get a loan to buy a house, but it can only be used for commercial loans. If you have a housing provident fund, you can use a provident fund loan.

Commercial loan process:

1. Submit loan application: After signing the house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, you need to submit complete materials approved by the bank to the bank for review. This is the most important step in the commercial loan process.

Mainly include the original and copy of ID card, household register, and marriage certificate; temporary residence permit or residence permit required for foreign household registration; income certificate issued by the work unit; sales contract, down payment invoice or receipt; the past six months Salary statement or other proof of assets. In addition to the above five items of information, different banks have certain differences in their requirements for commercial loans. You must also inquire in detail about other information required by the lending bank.

2. Bank acceptance investigation: After the bank receives the application materials from the loan applicant, it will review the materials. The general review time for commercial loans is 15 working days, with a maximum of 1 month. . During the bank's acceptance investigation, the loan applicant will be asked to supplement some information depending on the situation. Therefore, the loan applicant needs to keep in contact with the bank during this period.

3. Bank verification and approval: The lending bank will verify several aspects: the condition of the house, the qualifications and credit status of the borrower, etc. This is an important step in the commercial loan process. If the loan applicant has bad credit, it will directly lead to the failure of the loan application. Therefore, it is important to accumulate good personal credit in life.

4. Both parties go through relevant procedures: the bank notifies the loan applicant that after the loan is approved, he needs to open an account with the bank, get a debit card and sign a loan contract. At the same time, relevant guarantee procedures such as mortgage, guarantee, pledge and insurance will be handled. When signing a loan contract and handling guarantee procedures, you must understand the details in the contract in detail and clarify your rights and obligations to avoid unnecessary misunderstandings.

5. The bank issues a loan: After all loan procedures are completed, the bank will transfer the loan funds to the real estate developer's account, the lending relationship is established, and the lender repays the loan according to regulations.