1. If you buy a house with a loan from a different place, you need to pay taxes or social security of 1 year or more at the place where you buy the house. To apply for provident fund loans, it is necessary to continuously deposit the housing provident fund 12 months or more, and issue relevant certification materials. If it is impossible to provide local tax payment certificate or social insurance payment certificate for more than 1 year, it shall be implemented according to the second set of differentiated housing credit policies, and the borrower's down payment ratio and loan interest rate shall be provided.

2. In addition, the application must also meet the basic requirements of bank loans, that is, the ability to repay loans on time, good personal credit status and a stable and reliable source of income. It is necessary to provide the household registration certificate issued by the public security organ where the household registration is located, the job certificate issued by the work unit, the income certificate, the local temporary residence permit, the local fixed contact address and contact information, etc. Give it to the bank for review.

What is the loan procedure for foreigners to buy a house?

1. The borrower shall fill in the Application Form for Personal Housing Loan of XX Bank and provide relevant information. Information includes: resident identity card or other valid documents; Proof of the borrower's economic income or solvency; A contract or agreement for the purchase of a house. The relevant materials provided by the borrower to the bank must be original and three copies.

2. The lending bank shall review and assess the authenticity of all documents, materials, legality and feasibility required by the borrower, and reply to the applicant within the specified working days (the number of working days for each reply is different).

3. The loan bank agrees to the loan, and the borrower signs a loan contract with the lender, and handles the guarantee procedures such as pledge contract, mortgage contract or guarantee contract according to the loan guarantee method. After the loan contract is signed, the lender must go through the formalities of insurance, mortgage registration, contract notarization, etc. according to the national laws and regulations and the relevant provisions of the bank.

4. The borrower and the borrower shall determine the loan amount and term according to the loan contract. The general personal housing commercial loan amount shall not exceed 70% of the purchase price, and the loan period shall not exceed 30 years. After the approval of the bank, the loan will be issued. The borrower opens an account in a bank and pays the down payment (usually 30%). When the house purchase agreement came into effect, the borrower began to repay the principal and interest on schedule.