Current location - Loan Platform Complete Network - Loan consultation - Can foreigners buy a house with provident fund loans in the north?
Can foreigners buy a house with provident fund loans in the north?
1. Can foreigners buy a house with provident fund loans in North China?

Yes, you can. Conditions for buying a house with provident fund loans in different places:

1. If the housing provident fund has been paid in full for more than 6 months (inclusive), you can apply for a personal housing loan from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management core of the original deposit place.

2. Housing provident fund loans are for paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. Households of paid employees who purchase the third and above houses cannot issue housing provident fund loans.

3. In cities divided into districts where the personal housing loan issuance rate of housing provident fund is less than 85%, the first set of self-occupied housing loan amount shall be appropriately increased according to the local commodity housing price and per capita housing area.

4. Employees must hold the deposit certificate issued by the housing provident fund management core in the place of employment, and apply for the housing provident fund personal housing loan to the housing provident fund management core in the place where the household registration is located.

2. How do foreigners apply for public rental housing in Beijing?

Of course.

Non-Beijing employees can apply for public rental housing according to the distribution channel of no housing for new Beijingers. Non-local household registration applicants are not over 45 years old (inclusive), meet the city's housing purchase restriction policy, and have the qualification to purchase houses; Pay social security or individual tax in the project area, and the industry meets the needs of industrial development in this city.

According to the Administrative Measures for the Application, Examination and Rent Allocation of Public Rental Housing in Beijing (J.J.F. [2011] No.25), to apply for public rental housing, you must go through the application formalities in person at the town (street) social security office where your household registration is located. The following materials need to be submitted when going through the formalities:

1. A copy of the ID card of the applicant and his family members.

2. Household register of the applicant and family members (the first page, with my page printed on the front and the change page printed on the back).

Third, proof of marital status:

1. Married: show your marriage certificate ③ Divorce: show your divorce certificate and the divorce agreement/judgment filed by the Civil Affairs Bureau.

2. Title certificate (without title certificate):

(1) Renting: Show the lease contract (specify the lease term, signing time and property owner).

(2) The real estate license of the place where the ID card and household registration book are located: the building shows the real estate license; The bungalow shows the homestead certificate and the village (neighborhood Committee) certificate. Show proof of real estate (if there is no village, you need a certificate from the village to prove that there is no cottage homestead).

(3) The address involved needs to show the agreement and the sales contract of the resettlement house.

4. Housing provident fund presentation: Personal information or housing provident fund reconciliation books are deposited in the housing provident fund.

Verb (abbreviation of verb) social security presentation: social security personal payment information statement or four-insurance payment statement of insured employees.

6. Local tax presentation: personal income tax payment certificate.

Seven, there is a work unit to show the labor contract signed by the company.

Eight, about assets:

1, and the ticket purchase invoice is displayed in the car.

2. Show the sales contract and deed tax ticket of the real estate value.

3. Appraisal report of housing needs appraisal institutions outside Beijing.

9. Priority certificates: disability certificate, special care certificate, discharge certificate, work change certificate, and critical illness diagnosis certificate (above district level).

Ten, junior high school minors show their school certificates (primary and junior high school students show their cards).

Eleven, apply for low-cost housing to provide low assurance or low income proof.

Note: The above materials are in duplicate, which are discharged in sequence and submitted together with two verification forms. To apply for public rental housing, you must go to the town (street) social security office where the household registration is located.

Extended data:

Foreign household registration:

In the Notice of Beijing Municipal People's Government on Strengthening the Construction and Management of Public Rental Housing in Beijing, compared with Beijing registered families, non-local registered families did not set a unified income standard when applying for public rental housing, but only proposed a stable income. In this regard, Zou Jinsong said that all districts and counties can determine specific standards according to their actual conditions, and they can also include income standards.

Compared with other types of affordable housing applications, there is no age limit for public rental housing applications. Applicants for affordable housing and price-limited housing in Beijing must be at least 30 years old if they are single.

Zou Jinsong said that both affordable housing and price-limited housing belong to the purchase type of affordable housing, and families are encouraged to accumulate before purchasing, so the conditions for single applicants to reach the age of 30 are set.

"The situation of public rental housing is different. It is only used as a transitional housing during the accumulation of family wealth before the family buys a house. Part of public rental housing is provided to newly graduated college students and newly employed people, so there is no age limit for applying for public rental housing. "

Notice of Beijing Municipal People's Government on Strengthening the Construction and Management of Public Rental Housing in this Municipality has no uniform standard for how long foreigners need to work in Beijing. "This time, the authority of specific standards was given to all districts and counties, mainly because the actual situation in each district and county is different.

For example, the old city itself needs to relieve the population, so the standard may be set higher. There are also some new cities with industrial parks and so on. Therefore, to attract foreign talents, the standards may be wider. In this way, their own standards should be more in line with actual needs. "

Zou Jinsong said. However, there is a unified basic condition for foreigners to apply for public rental housing, that is, all family members applying for public rental housing must have no housing in Beijing. At the same time, the proof materials for foreigners to apply for public rental housing are similar to the housing purchase restriction being implemented in Beijing, and they need to provide temporary residence certificate, housing provident fund payment certificate or social security certificate.

3. Can foreigners apply for housing provident fund loans in Beijing?

You can provide a valid residence status in Beijing.

Housing provident fund loan conditions:

1, with local household registration and complete certificates.

2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions;

3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time;

4. Pay the housing provident fund in full monthly for 6 months before applying for the loan;

5. In the report, the maximum overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), which is counted as non-loan due to bank management reasons;

6. Debt without its ability;

7 to repay all kinds of housing loans (including individual housing provident fund loans to be applied for) the monthly expenditure shall not be higher than 50% of the monthly income of the family, and the monthly income of the family shall be deducted from the monthly minimum living standard of this Municipality;

8. Laws and regulations.

4. Can foreigners apply for housing provident fund loans in Beijing?

Do you think applying for housing provident fund? Wrong, he is not a social welfare, which is different from subsistence allowance and social relief. He applied on his own terms. According to the regulations of the work unit, the account established for you will be paid monthly.