Conditions for applying for loan business:
Natural persons aged between 18 and 65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have a stable job and have the ability to pay the loan principal and interest;
Good credit information, no bad records, and legal use of the loan;
Other conditions stipulated by the bank.
Second, Sanya's housing purchase policy for foreigners
The conditions for foreigners to buy a house in Sanya are: 1, having Sanya social security for more than one year (at least 13 months, and must be in insurance state when transferring), or paying personal income tax for more than one year (at least 13 months); 2. If there is no housing loan in the whole country and no real estate in Sanya, you can buy a property and enjoy the preferential policies for the first home loan (such as the downward adjustment of the bank loan interest rate of the first home loan10%); 3. There is a property in the field, but there is no property in Sanya (the homestead is not included in the number of sets). Both commercial loans and provident fund loans can enjoy the first set of 30% loans and 70% loans, but the deed tax is still calculated according to two sets, and 3% deed tax cannot be reduced; If you have a housing loan in China and no real estate in Sanya, you can buy real estate, but the down payment is at least 60%, and the deed tax cannot be reduced. 4. Have a stable job and income, and the total monthly income of the family is more than twice the monthly payment; Citizens who have reached the age of 18 and meet the above conditions can be guaranteed by their parents; 5. Household registration book, ID card, proof of marital status, and bank account for more than half a year.
3. Can foreigners buy a house in Sanya with provident fund loans?
No, at present, it is limited to cities that pay the provident fund, but hopefully it can be used in the future. Some cities are conducting pilot projects. For example, the provident funds in Beijing and Qinhuangdao can be widely used now (only as a pilot, not on a large scale), and I hope they can be used in the near future.