1 You have to make sure that you are registered in Harbin. If so, you can buy it. If the household registration is in a foreign country, you must have a social security certificate or tax payment certificate that has been in Harbin for more than one year.

It depends on how many properties are in your name. This is a family unit (that is to say, you have no real estate in your name, so you can't buy two sets in your wife's name). It is not allowed to buy a third property. This is the purchase restriction order just implemented in March this year 1. If there is no real estate in your name, the interest rate is 30% (the current benchmark interest rate should be 6.06%). The second set, the down payment is 60%, and the interest rate is 20% higher than the benchmark interest rate. The third set, of course, is the foreign real estate and surrounding areas (for example, Acheng went to Hulan and got a sea view room. . . Not within the scope of purchase restriction)

The procedures required for commercial loans are basically 1: proof of income (you need both husband and wife if you get married) and 2: 3 months of bank running water (the monthly running water should be more than twice the monthly repayment amount of your loan). This is an example of a family: with a monthly repayment of 2000 yuan, the income of you and your wife or your own income will reach about 5000 yuan. Of course, if you don't have enough running water, you can also regard your parents as borrowers. 3. Single certificate. If you are single, go to the civil affairs bureau in your district (it will take about 2 days to get it that day). 4. Personal information: ID card, household registration book, marriage certificate, 2 photos 1 inch, and 6 stamps. If you are married, these are for both husband and wife.

That should be all. I hope you will have a happy house and succeed at an early date.

If you don't know or want to know about the real estate in Harbin, you can give me news.