According to the new policy, non-locals need to pay income tax of 1 year or social security of 1 year, otherwise they can't borrow money to buy a house.

If it's a one-time payment, you don't have to pay it.

If your registered permanent residence does not belong to the administrative area of Chengdu, you are a foreigner.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.