Can people in Taiwan Province Province buy a house in the mainland?
According to the relevant policies of the Mainland, Hong Kong, Macao and Taiwan residents and overseas Chinese can buy a certain area of self-occupied commercial housing in the Mainland because of their living needs, and they are not allowed to buy residential or non-self-occupied houses because of their living needs. There is no specific regulation on how much a certain area refers to.
1. Provident fund loan: At present, there are many restrictions on individual housing provident fund loans in Taiwan Province Province: according to regulations, the main body of provident fund payment is employees of various enterprises and institutions, excluding foreigners and employees from Hong Kong, Macao and Taiwan. And you need to pay in full for six months before you can apply for a housing provident fund loan.
2. Commercial loans: People in Taiwan Province Province are exposed to commercial loans for individual housing. After signing the pre-sale contract or letter of intent and paying the down payment, you can apply to the bank.
3. According to the current real estate policy, the down payment ratio of the loan to purchase the first suite shall not exceed 30%. The down payment ratio of the loan to purchase the second suite shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate. However, it is very difficult for people in Taiwan Province province to buy a second suite, because Shanghai and other big cities have adopted the regulation that people who are not registered in this city can buy a second suite to meet certain conditions.
What are the precautions for buying a house?
1, some people's bank bills may not look good, and most of the houses are down payment from home. You'd better make a beautiful running account before buying a house. Save a little money in the bank card every month. So you have a deposit record! ! Will increase your approval rating! ! The bank current account is twice as much as the monthly loan you need! ! Some banks need to keep a running account of more than 5000 yuan. Have a plenty of no matter how much.
2. bank loans are all integers, and they will not be loaned to thousands. If you're lucky. Thought it would pass! It is difficult for banks to get loans when loans are tight. So if conditions permit. Try to borrow integers! For example, you want to borrow 325 thousand. Try to borrow only 320 thousand! ! If your job is always changing, it is difficult for you to get a loan! If you want to buy a house. Try to stay in one company. Anyone who wants to resign will wait for the loan to be issued before resigning!
Because if you choose your own bank. If the loan is not issued. It's your duty to do that. If the developer chooses a bank. The loan was not issued. You can also force developers to help you find a way! ! If you don't issue loans, even if you insist on choosing a bank, you will be held accountable. Developers will certainly not have any responsibility! !
Can people in Taiwan Province Province buy a house in the mainland? What are the precautions for buying a house? After reading it, you should understand In fact, things like houses have a great relationship with the quality of life in the future. Of course, buying a house should be planned in advance, not to say that you must buy a house, but to understand the local purchase restriction policy and your own economic situation when buying a house.