Can only provide commercial loans, provide ID cards, household registration books, marriage certificates, unit income certificates, and bank current accounts for more than one year. 1. To buy a house in a different place, you need to provide your ID card and a copy, proof of income at work, household registration book and down payment invoice. If you are married, you should also provide your lover's income certificate, ID card and copy, marriage certificate. At the same time, it also needs the family planning certificate of floating population issued by the Civil Affairs Bureau. Second, the down payment for commercial housing is 50%, and that for residential housing is 20%-30%. Third, the income proves that the actual income has doubled. It is no problem to buy a house with a loan from a different place:

(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(2) the guarantor's credit certification materials.

(3) Collateral appraisal report issued by the socially recognized appraisal department.

(4) Other documents and materials as stipulated by the Construction Bank.

(5) Original and photocopy of the borrower's valid identity certificate.

(6) local permanent residence or valid residence identity certificate.

(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and the ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.

(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

Problems needing attention in buying a house in different places and handling loans

1. The main question to consider when handling a loan is whether the loan bank recognizes the income certificate and the copy of the business license stamped by your work unit. If the bank can accept it, you can apply for a loan. Banks in some areas can accept certification materials from work units in different places. I suggest you consult the loan bank.

2. The place where the loan is handled is the location of the real estate. As you are applying for a loan for the first time, your loan ratio is 80% of the real estate appraisal value, the longest loan period is 30 years, and the expected annualized interest rate of the loan is 30% lower than the base year. Usually, the appraised value of the property is lower than the actual transaction value.

3. Loan operation flow: the buyer visits the house on the spot and pays the down payment after being satisfied. The amount of the down payment is negotiated by the buyer and the seller-the buyer signs the loan contract and pays the down payment in addition to the loan amount, and the buyer and the seller prepare the loan information ■-the bank makes an appointment to sign the house mortgage loan contract and submit the relevant loan information ■-the bank makes an appointment for the appraisal company to visit the house on the spot, and the appraisal company issues the appraisal report within 3 working days-the bank receives the appraisal report. Review the borrower-the bank issues the loan approval letter, the buyer and the seller go to the local real estate bureau to handle the property transfer procedures-hand over the deed tax ticket and license to the loan bank (if there is a guarantee company or intermediary company to guarantee, the bank will lend to the original owner)-the bank receives the house book, goes through the property mortgage procedures-and the bank lends to the original owner.

4. In order to make the loan go smoothly, it is suggested that you search your credit record in advance before paying the down payment, and evaluate the purchased property through the local appraisal company in advance to calculate your down payment ratio. Another question is about income certificate and business license. In a word, all the problems should be dealt with before signing the house purchase contract.

5. The materials to be prepared for the loan are: ID card, household registration book, marriage certificate (provided by married people), temporary residence permit (provided by foreigners), income certificate, copy of business license of the work unit stamped with publicity, real estate sales contract, down payment invoice or receipt, and it is best to have assets proof such as salary running water or tax-paid invoice.

What are the conditions for foreigners to apply for loans from different places to buy a house?

What are the conditions for foreigners to apply for loans from different places to buy a house?

Housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house with property ownership certificate and a house or commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral.

1. Information required for mortgage loan:

1. 3 originals and photocopies of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. Original purchase agreement;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

5. The developer's collection account number 1 copy.

Two. Mortgage loan conditions:

1. Aged between 18-65 years old, with full capacity for civil conduct;

2. Pay the down payment;

3. Have a stable legal income and the ability to repay interest;

4. The borrower agrees to use the purchased house and its rights and interests as collateral;

5. The purchased second-hand houses have clear property rights and meet the local requirements for entering the real estate market;

6. The purchased house is not within the scope of the announcement;

7. Other conditions required by the lending bank.

Third, the process of mortgage loan:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

How to apply for a loan to buy a house in a different place, and what conditions are needed?

In line with the local housing policy, the age plus loan period is not more than 70 years old. At the same time, you need to provide proof of use, proof of identity, proof of income, etc. , and contact a loan manager for consultation.

What are the conditions for foreigners to borrow money to buy a house in Beijing?

You can try to apply for a loan through China Merchants Bank. Please consult the account manager of the local branch for specific requirements. Please dial 95555 to choose 3 personal customer service -3-3-8, enter the city where manual service is provided, and inquire about the telephone number of the loan manager.

What conditions do you need to buy a house with a loan from a different place?

If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. Please call 95555 at 8: 30-18: 00, and choose 3 people for customer service -3-3-8 to enter the manual service to provide loans for more information about the city.

Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.

What are the conditions for foreigners to borrow money to buy a house in Baotou?

You can't bring money in Baotou without a local hukou. You can move your hukou to the talent market, and you have to find someone to guarantee it before you can get a loan. Otherwise, I won't pay it all at once.

What are the conditions for foreigners to borrow money to buy a house in Wuxi?

Policies vary from place to place. If there is a local China Merchants Bank, it is recommended to contact the loan account manager for confirmation.

What are the conditions for foreigners to borrow money to buy a house in Wuhan?

Conditions to be prepared for handling bank mortgage:

1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If applying for a policy-based personal housing loan, the housing provident fund shall be deposited in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.

Materials to be prepared for handling bank mortgage:

1, loan application form;

2. Subscription agreement or sales contract;

3. identification;

Identity certificates refer to: foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards and home visit cards. If you work in Shanghai, you need to provide a work permit. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located. If you work in Shanghai, you only need to provide a marriage certificate issued by the Shanghai company. Credit certificate refers to the annual family financial report, stock trading list and tax bill of the accounting firm in the country where the foreigner is located. If you work in Shanghai, you only need to provide proof of the company's income in Shanghai.

4 proof of income (including tax bill, bank deposit record and employer's confirmation).

What are the conditions for foreigners to borrow money to buy a house in Chengdu?

Many policies have been relaxed this year, so as long as you can afford it, buying a house with zero down payment can be regarded as a loan network, and it is also feasible to buy a house with a loan.

What are the conditions for foreigners to borrow money to buy a house in Shenzhen?

To apply for a housing loan at China Merchants Bank, you must comply with the local housing purchase policy, and the age plus loan period must not exceed 70 years old. At the same time, you must provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.

What are the conditions for foreigners to borrow money to buy a house in Tianjin?

You can try to apply for a loan through China Merchants Bank. Please dial 95555 at 8:30- 18:00, select "2 manual service-"1"personal banking-"4 "personal loan business, enter the manual service to provide loan purposes, and learn more about the city.

What are the procedures for buying a house with a loan from a different place?

1. Materials required for off-site housing loan:

(1) Borrower's valid ID card and household registration book;

(2) proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

(3) If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

(4) The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row);

(5) Certificate of real estate ownership;

(6) The guarantor shall provide ID card, household registration book, marriage certificate, etc.

2. The policy of buying houses in different places: On April 65438+7, 2065438, the State Council issued the Notice on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities, requiring non-local residents who cannot provide local tax payment certificates or social insurance payment certificates 1 year or more to suspend the issuance of housing loans. This means that it is impossible for buyers from different places to use credit leverage to speculate in real estate.

Buyers from different places have only two choices, either to pay in full, or to get a certificate or to provide proof of social insurance payment after local tax payment in 1 year. If the documents are complete, the down payment ratio is 30% and the interest rate is 8.5%.

Extended data:

Relevant certification materials that employees should provide when they withdraw housing provident fund for the first time to purchase commercial housing, affordable housing, cooperative housing, fund-raising housing and other self-occupied housing:

(1) Original and photocopy of the house purchase contract or house purchase agreement;

(2) The original and photocopy of the purchase invoice;

(3) Extract the original and photocopy of the employee ID card;

(4) Withdrawing the employee's own bank savings account;

In addition to the above information, the employee's spouse should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the withdrawal record of the main purchaser. Relevant certification materials that employees should provide when withdrawing housing provident fund for the first time due to the purchase of second-hand houses:

(1) Original and photocopy of the real estate license;

(2) Original and photocopy of deed tax payment certificate;

(3) Extract the original and photocopy of the employee ID card;

(4) Withdrawing the employee's own bank savings account;

In addition to the above information, the employee's spouse should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the withdrawal record of the main purchaser.