Matters needing attention in buying a house in a different place
1, which is eligible for house purchase.
To buy a house with a loan from a different place, we must first understand the local purchase policy. Affected by regulatory policies, many cities have implemented strict purchase restriction policies for foreign household registration. Different cities have different conditions. Some cities need to pay social security for several years in a row, and some cities need to show such proof. In many cities, the price of real estate and the qualification of buying houses are closely related to the national macro-policies and local economic and real estate policies. If you want to choose to buy a house in a different place, you must learn more about this and know fairly well.
2. Credit information and income have been evaluated.
No matter where you borrow money to buy a house, you need a stable job, income and good credit to pass the bank loan approval. For off-site buyers, it is even stricter. Bank loans generally require monthly running water or proof of income to be twice your monthly payment. In other words, your monthly payment is 654.38+00000 yuan, so you are required to prove that your income exceeds 20000 yuan. If you are married, the bank will look at the total income of two people. By the way, if your partner is not local, you must change the status of your household registration book to married. Otherwise, when you buy a house, you will have to go through the formalities all over the world.
3. The purchase information is complete.
Original and photocopy of ID card or other identification certificate;
Original and photocopy of household registration book, including home page, household head and personal page;
If married, the original and photocopy of the marriage certificate shall be provided;
If you are single, you need the original single certificate;
Have a stable economic income, good credit, and income certificates issued by relevant units;
Other supporting documents required by relevant departments.
4. Understand the credit policy
Buying a house with a loan from a different place requires a very detailed understanding of the loan requirements and policies of local banks. Be sure to prepare the required materials clearly in your hometown, so as not to delay things because of one or two materials! In addition, newly-built commercial housing and second-hand housing purchased by non-registered households in this city within a limited range can only be listed and traded after obtaining the real estate ownership certificate for 3 years.
5. Having a mortgage or guarantor.
It is also an essential link that remote loans need mortgage. In addition to the house itself as collateral, it is generally necessary to provide other things or a guarantor as a guarantee. The bank can only agree to your loan after all the information is complete, the credit information and income have passed the evaluation, the collateral is legal and effective, and the guarantor's consent letter of commitment has also passed.