1, eligible to buy a house: buyers who buy a house with loans from different places must meet the local policy requirements, including the purchase restriction policy and the loan restriction policy. The purchase restriction policy generally requires foreign household registration to purchase a house for the first time, and requires buyers to provide social security or individual tax for several consecutive years. The loan restriction policy will require buyers to buy the first suite or the second suite. Generally, loans are not allowed for multiple suites. Of course, different cities have different conditions. Specifically, property buyers need to understand relevant policies and be aware of them.

2. Credit information and income have been evaluated: whether in another place or not, when buying a house with a loan, the bank will decide whether to lend or not and determine the loan according to your credit information and income. If your credit status is good, banks will generally issue loans. In terms of proof of income, the bank requires that the monthly running water or proof of income is twice that of your monthly payment, which means that if the monthly payment of the loan applicant is 65,438+00,000 yuan, your proof of income will exceed 20,000 yuan. If you get married, the bank will look at the total income of two people.

3. Complete purchase materials: Buyers who purchase houses in different places may not be able to travel back and forth to their residence and place many times, so it is necessary to prepare materials for buyers in advance. The conditions required for buying a house include identity certificate, marriage certificate, income certificate, and proof of the number of houses.

Off-site procurement process

The process of buying a house by mortgage in a different place requires identity certificate, income certificate, loan contract, identity certificate of local account guarantor and income certificate.

Process steps in mortgage to buy a house: Before handling the loan, the borrower should know whether the purchased building has a letter of commitment from the bank to provide personal housing mortgage loan. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank.

Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form.

Loan bank: the loan officer examines all the materials and documents submitted by the loan applicant and approves them step by step. The loan bank takes back the completed materials and issues loans according to the legally effective loan contract.

Property Right Registration and Notarization Section of Land and Resources Bureau: go through the formalities of property right mortgage registration, notify the developer to get back the loan contract, and the developer will issue a certificate of payment to the loan bank, and notify the borrower to get back the loan contract, IOU, insurance policy and loan officer of the loan bank to file the loan file.