1, in line with the purchase policy.

To buy a house with a provident fund loan in different places, we must first understand the local housing loan policy, such as tax payment records or social security payment records for one or two years. Different cities have different requirements, and those who decide to buy a house with a provident fund loan in different places must make full preparations in advance.

Because once there are restrictions on buying houses, the policy requirements are all limited for one or two years, and it will not be solved for a while.

2. Credit information and income have been evaluated.

No matter where you apply for a mortgage, stable work, income and good credit are all important assessment criteria for bank approval. For people who buy a house with provident fund loans from different places, these assessments should be more stringent. At the same time, we will also consider whether the value of your house is consistent with your ability to repay the principal and interest, so as to fully reduce the capital risk of the bank.

3. The purchase materials are complete.

To buy a house with a provident fund loan from a different place, you should fully understand the bank's loan policies and requirements and prepare all the information needed by the bank. After all, it is very troublesome to do things in different places. This information can't be solved by express delivery or email, so we must be careful. The most important thing is to provide a valid purchase contract or agreement as a strong proof to the bank applying for a loan.

4. Having collateral or guarantor.

If you buy a house with a provident fund loan from a different place, you can provide other things as collateral or a loan guarantor besides the house itself. Only after confirming the validity and legality of the collateral, the authenticity of the appraisal certificate of the appraisal institution, the guarantor's consent guarantee and credit certificate can the bank give you a loan.