Qualifications for buying a house:
According to the relevant policies and regulations of Wuhan property market, since September 24th, 20 14, Wuhan will no longer be restricted from purchasing. This means that the Wuhan residential purchase restriction policy, which has been implemented for more than three years, has been cancelled, and buying a house is no longer subject to any restrictions. You can buy as many suites as you want, but it should be noted that Wuhan can no longer borrow money to buy a house from the third set.
Loan eligibility:
After you are qualified to buy a house, if you need a loan to buy a house, the bank will examine whether you are qualified for a loan. Simply put, having the qualification to buy a house does not necessarily have the qualification to borrow money; But if you are not qualified to buy a house, you will definitely not get a loan.
At present, when applying for a loan to buy a house in Wuhan, the bank will review the applicant as follows:
(1) Commercial loan
1. Applicant's house purchasing qualification survey: applicant's ID card; Household registration book and proof of marital status; There are several suites under the family name;
2. Applicant's loan qualification examination: the applicant's personal credit; Mortgage records; Proof of salary and bank running water;
(2) Application conditions for provident fund loans or portfolio loans
1. It has been 6 months since I opened an account with Wuhan Provident Fund, and the account status is normal;
2. Within the first 6 months from the date of applying for public loan, the provident fund has been paid in full and continuously, and the overdue period is not counted;
3. The provident fund account has a deposit balance of more than 6 months.
How to divide the main urban area and the far urban area of Wuhan?
How to divide the administrative areas of Wuhan also determines whether you buy a house and settle in the main city or the far city. Due to geographical reasons, Wuhan is divided into three towns by the Yangtze River and the Han River: Wuchang, Hankou and Hanyang.
According to administrative divisions, there are 15 districts in Wuhan, which are 7 main urban areas, namely Jiang 'an, Jianghan, Qiaokou, Hanyang, Wuchang, Qingshan and Hongshan, and 6 far urban areas, namely Caidian, Jiangxia, Huangpi, Xinzhou, Dongxihu and Hannan. There are also two development zones: Wuhan Economic and Technological Development Zone (commonly known as Zhuankou Development Zone) and Donghu High-tech Development Zone.
Generally speaking, Zhuankou Development Zone and Donghu High-tech Development Zone, together with seven urban areas, are collectively referred to as the main urban areas.
In addition, the Great Wuchang also includes Wuchang District, Hongshan District, Qingshan District, Donghu High-tech Zone and Jiangxia District. Hankou includes Jiang 'an District, Jianghan District, Qiaokou District, huangpi district, Xinzhou District and Dongxihu District. Hanyang includes Hanyang District, Economic Development Zone, caidian district and Hannan District.
(The above answers were published on 2015-10-13. Please refer to the actual situation for the current purchase policy. )
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