Can foreign real estate licenses be loaned locally?
Foreign real estate licenses can be loaned locally, and foreign household registration loans need to provide local tax payment certificates or social insurance payment certificates for more than one year. If non-local residents who cannot provide local tax payment certificates or social insurance payment certificates for more than 1 year apply for housing loans, the lender will implement the second (and above) differentiated housing credit policy, that is, the down payment and loan interest rate may be increased.
1. The approval procedures and processes of banks are different, but lenders are generally required to provide: household registration certificate provided by the public security organ where the household registration is located, job certificate issued by the work unit, income certificate, local temporary residence permit, local fixed contact address and contact information. The bank will check the credit history of the lender and so on.
In fact, there are many kinds of housing loans, including provident fund loans and commercial loans. If the provident fund loan is just before the loan, you should know how much money is in your provident fund account and how much money the unit gives you every month. Only by knowing your own situation can you get a loan. If it is a commercial loan, it is necessary to measure financial ability.
3. What is the monthly repayment amount of general loans? 50% of the average monthly disposable income-monthly property management fee; What is the monthly repayment amount of the loan? 55% of monthly disposable income-monthly property management fee-monthly repayment of other debts; Cash, bank deposits and other emergency funds should be able to maintain daily expenses for more than three months in case of emergency.
4. It should be reminded that most banks provide the business of changing the repayment method of mortgage loans, and at the same time provide the repayment combination method. If you find that the current mortgage repayment method is not suitable, you should consult professionals and choose a suitable combination to make changes, so as not to hurt your credit or make the burden and pressure too great.
What are the conditions for real estate license to apply for a loan?
1. The mortgagor can be the borrower himself or others. In other words, even if the real estate license is not your own, you can apply for a mortgage loan with someone else's house as long as there is proof of others' consent and consent to mortgage;
2. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;
3. Willing and able to provide real estate mortgage approved by the lender;
4. The age of the house (calculated from the date of completion of the house)+the loan period does not exceed 40 years;
5. Some people in the real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.
5. The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for trading without other mortgage;
6. Have permanent residence and fixed residence in this city; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
7. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
The above are foreign real estate licenses. Can I borrow money locally? What are the conditions for real estate license to apply for a loan? There are not so many restrictions between cities now. Many things can be handled in other places, including foreign real estate licenses and local loans. If you have such a need, you need to know the conditions for applying for a loan.