If you buy a house in Jinan, then the local household registration is limited to 2 houses, and if it is a foreign household registration, the purchase is limited to 1 house. In addition, if a foreign household registration wants to buy a house in Jinan, it is necessary to obtain the qualification for buying a house first. Generally, it is necessary to provide personal tax payment certificates for more than 24 months in Jinan, or provide social security payment certificates for more than 24 months in Jinan. In addition to the above, if you are a full-time undergraduate working in Jinan, you can buy a house locally as long as you pay social security for more than half a year, and there are certain preferential policies for some high-end talents.

How can I refund the down payment if the house loan cannot be approved? This depends on the actual situation. If the loan can't come down because of the bank or the developer, then you can negotiate with the developer to see if the contract can be terminated. In this case, you generally don't need to bear the liability for breach of contract, and the seller should also refund the down payment for the house purchase. However, if the buyer's own reasons lead to the failure of the loan, then it is necessary to bear the liability for breach of contract at this time. For example, some people's personal credit is tainted or their repayment ability is insufficient, which affects the final loan approval and is related to themselves.

How long can the house loan be approved? Normal/kloc-about 0/5 working days. General applicants need to provide materials needed by banks, such as ID card, marriage certificate, employment certificate, income certificate, bank account, credit report, etc. Better and more importantly, banks must ensure that they have a certain repayment ability before they can pass the application. It is normal to lend money within 10 to 15 working days when the procedures are complete.

The above is the answer to the question about Jinan's housing policy. Jinan's housing policy is relatively loose, and anyone with normal housing ability can buy it. In addition, the down payment for housing is normally 30%, and the bank loan interest rate is about 4. 1%.