Foreigners buy houses in Dali, and there is no limit on the number of houses. If there is a loan, they can make a down payment of 30% for 70 years, and there is no loan under the family name. If there is a loan, then the down payment is 40%; If you have two sets of loans, you can only buy a house in full. 40-year-old products, no matter how many sets of loans, can be 50% down payment, loans to buy a house.

Matters needing attention in buying a house in Dali

1, the lower the down payment ratio, the better.

If you can afford the monthly payment, the lower the down payment ratio, the better you buy a house. Our better way is to borrow more money from the future. Even if there is a certain pressure on the monthly payment, we should take into account the trend that the monthly salary has been rising.

2. Give priority to provident fund loans.

At present, the interest rate of provident fund loans is relatively low, at 3.25%, and the interest rate of commercial bank loans is 4.9%. Although the interest difference is only 1.65%, it will eventually bring hundreds of thousands of interest differences.

3. Loan amount

Although we should try to reduce the down payment ratio and increase the loan ratio, the monthly repayment amount should not exceed 50% of the total family income, otherwise it will affect the quality of life; Discounted loan interest rates may cost hundreds of thousands less in the long run.

Skills of buying and choosing a house

1. Choose a reputable developer. There are many real estate development enterprises in every city. Under normal circumstances, only those large real estate developers with good reputation, many model projects, abundant funds, stable and reliable business style and long-term real estate development and operation can buy high-quality houses.

2, property buyers in the choice of development enterprises, but also as far as possible to investigate the credibility of the design and construction units.

3. Visit websites and do more research. Some real estate developers cheat consumers with false advertisements in order to sell the developed houses as soon as possible. Therefore, property buyers should personally visit the site, and it is best to see all or part of the construction process and understand the internal structure of the house, the quality of building materials and the quality of construction.

4. Property buyers who purchase existing homes should carefully check the materials and documents related to quality inspection, conduct on-the-spot investigation in comparison, and consult insiders in time.

5. If a similar house has been completed and moved in by the construction company that built it, the buyers can know the first-hand feedback information of residents on the quality of the house by visiting, so as to make a correct judgment.