It is recommended to apply for a commercial loan to provide a bank flow for one year. If the loan amount is relatively small, for example, within 300,000, there is basically no problem. However, with reference to the current housing price, if the loan amount is large, it can act as an auxiliary borrower or his parents to provide auxiliary guarantee. Pay attention to keeping your credit good, for example, credit card repayment is not timely or credit card debt is too much, which will affect loan approval.

Second, how does Dalian borrow money to buy a house?

I. Loans are divided into provident fund loans and mortgage loans.

The process of provident fund loan is:

(1) The applicant shall apply for a loan in triplicate with the purchase materials (ID card, household registration book, marriage certificate (all original A4 copies) and the loan application form-personal loan service hall of the municipal provident fund management center.

(2) The above-mentioned institutions transmit the loan information approved to the entrusting bank;

(3) The entrusting bank informs the borrower and his spouse to entrust the signing office of the bank to sign the loan contract and mortgage contract;

(4) The borrower and his spouse hold the identity documents of both parties to obtain the real estate license;

(5) The borrower holds the original and photocopy of the real estate license to issue a loan notice in the personal loan hall of the provident fund management center;

(6) The borrower shall go through the loan issuance formalities at the entrusting bank with the real estate license.

The process of commercial loan is: → review (provide information) → sign loan contract and mortgage contract (bank) → handle contract notarization (notary office) → relevant insurance (insurance company) → handle property mortgage registration (real estate registration office) → issue loan funds → handle mortgage property cancellation registration (loan

3. What procedures do foreigners need to go through to buy a house in Dalian?

First, foreigners need to meet the conditions for buying a house in Dalian:

1. If you have paid taxes in the local area for one year or paid social security certificates, the local income certificates (two to three times the monthly payment) are like ID cards, marriage certificates and household registration books.

2. For natural persons who have reached the age of 18 and have full capacity for civil conduct; When the loan is due, it shall not exceed 60 for men and 55 for women; Have a stable and legal occupation and income source, and have the ability to repay the principal and interest.

3. Generally, information is needed to purchase personal property: the household registration book, ID card and copy of the borrower's husband and wife. The purchase contract or agreement signed with the sales unit. Proof and copy of the borrower's down payment deposit. Personal housing loan application form (format provided by the bank).

2. In the restricted purchase areas, that is, the four districts and high-tech zones in Dalian, Dalian implements the measures of "local limit 2" and "foreign limit 1".

Foreigners need to provide tax payment certificate or social security certificate when purchasing real estate in the restricted area. According to the relevant regulations, non-local registered families (couples and minor children) who have worked in Dalian and provided personal income tax or social security certificates for more than 1 year and have no house in Dalian are allowed to buy a house, including a second-hand house.

Non-Dalian residents' families who own 1 set or more houses cannot provide proof that they have paid personal income tax or social insurance (urban social insurance) in Dalian for more than 1 year, and the sale of their houses in Dalian is suspended.

Extended data:

Loan information that the borrower needs to provide

(1) A valid identity certificate

1. Identity cards of both husband and wife of the borrower (original and two copies);

2. Household registration book (one copy of the original);

3. Marriage certificate (original and photocopy);

4. If you are unmarried, you need to fill in the unmarried statement, and our bank will keep the original;

5. Divorced or widowed persons are required to provide divorce certificates or agreements, judgments and spouse death certificates (original and photocopy);

6. A copy of the property right certificate of the complete set of houses actually owned by the family members (including the borrower, spouse and minor children) who intend to purchase the house.

(2) proof of income or relevant materials that can prove the borrower's income and repayment ability.

1. proof of salary and income: bank standard certificate or unit letter of introduction;

2. Company income certificates issued by general enterprises and limited companies other than administrative institutions, national civil servants and state-owned enterprises. The borrower also needs to pay a three-month bank statement (which needs to be confirmed by the bank seal);

3. Rental income (original and one copy of the lease contract);

4. Other documents of rights (such as certificates of deposit, government bonds, investment insurance policies, etc.). );

5. Private business owners and individual industrial and commercial households must provide business licenses, organization code certificates, tax registration certificates, tax payment certificates for the last three periods and three-month statements of corporate accounts.