Can foreigners buy second-hand houses in Chongqing for loans?
Foreigners can buy a second-hand house with a loan in Chongqing. There are several ways for foreigners to buy a house: find a company to pay Chongqing social security for more than one year to apply for a collective account for talent introduction in Chongqing, and you can settle down with a college degree or above. This needs to find a company affiliated unit. To do information, you can do direct loans.
On the surface, foreign accounts are not allowed to lend, but in practice, three noes can still lend directly. Both new and second-hand houses are ok. This requires an extra fee, about 2% of the loan amount. For example, the total price of the house you bought is 6.5438+0.5 million, and then you borrowed 6.5438+0.00 million, so the cost is about 20,000 yuan.
What should I pay attention to when buying a second-hand house with a loan?
1, pay attention to housing property rights
Property buyers should pay more attention to the property rights of houses when buying second-hand houses. Some second-hand houses have no property rights. Buying a house without a title certificate is very risky for buyers, and the owner may mortgage or resell the house after getting the money. And some houses are shared by many people, such as heirs, families and couples. To this end, property buyers should sign housing sales contracts with all people.
2. Choose a loan bank
Loans to buy second-hand housing, property buyers can choose their own loan banks, but different bank loan policies are definitely different. When choosing a bank, buyers should not only consider the loan term, but also consider the number of bank outlets and the convenience of repayment. So when choosing a bank, you can learn more about several banks and finally choose the one that suits you best.
3. Pay attention to the repayment method
Loans to buy second-hand housing, property buyers should pay attention to repayment methods. At present, the main repayment methods of major banks are equal principal and interest repayment method and average capital. The average capital divides the loan principal equally according to the total number of repayment months, plus the interest of the remaining principal in the previous period, which forms the monthly repayment amount. Matching principal and interest means that the monthly repayment amount of buyers is the same; In the first half, the proportion of interest paid is large and the proportion of principal is small. After half of the repayment period, it gradually becomes a large proportion of principal and a small proportion of interest.
4. Pay attention to the loan term.
There are many factors that affect the loan life when buying a second-hand house. When buyers apply for loans, the longer the loan period, the more the total repayment interest will be, but the monthly repayment amount will be much less. If the loan period is short, the total repayment interest will be less, but the monthly repayment amount will be more.
Regarding whether foreigners can buy second-hand houses in Chongqing and what they need to pay attention to when buying second-hand houses with loans, the above text has given relevant introductions. Foreigners can also borrow money to buy second-hand houses in Chongqing, but they must meet the relevant conditions and pay social security for a certain period of time here. For the purchase of second-hand housing, we must pay attention to whether the property rights of the house are clear and understand the age of the house.