According to Sohu Focus Changzhou Real Estate, there is no need to provide social security certificate or tax payment certificate for more than one year for foreign household registration to buy a house in Changzhou. However, some banks have issued new regulations, and foreigners have restrictions on buying houses, but it is still very good! Note: some intermediaries will take the initiative to help with social security certificates and tax payment certificates in order to withdraw cash. Then, after understanding the purchase restrictions, it is natural to understand Changzhou's commercial loan policy:
For commercial loans, people are more sensitive to down payment. Changzhou's current down payment policy is still relatively loose. For the first suite and the second suite, it is relatively easy to buy. There are not so many restrictions. Basically, the principle is to recognize the loan and not the house.
There are also couples who treat each other as equals. For example, the wife has no loan record, the husband has a loan record, and the whole family uses it as a loan record to buy a house.
Before, Jiangsu Province made a strict and clear distinction between the first suite and the first purchase.
First suite: there was a mortgage record, but it has been paid off, with a down payment of 30%, which can be regarded as the first suite.
Buying a house for the first time: using a housing loan to buy a house for the first time, and there is no loan record in the personal credit report, and the down payment is 20%.
(The above answers were published on 2017-02-11. Please refer to the actual situation for the current relevant procurement policies. )
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