Outlanders working hard in the city hope to have their own house there so that they can take root in the city. Some people want to buy a house, but they are not registered locally and are worried about being restricted when buying a house. So can non-local registered permanent residents buy a house? Let the editor give you a detailed introduction to the matters related to buying a house with a non-local registered permanent residence.

1. Can non-local residents buy a house?

If non-local residents buy a house locally, there are no special regulations. Generally, the process should be followed:

1. According to the current conditions for handling loan verification, as long as it is the first ordinary residential loan for a family, the loan ratio is 80%, and the loan interest rate is 30% lower than the base annual interest rate (a 30% discount).

2. If it is a second home loan for a family, the loan percentage is 60%, and the loan interest rate is the base annual interest rate plus 10%. It should be emphasized here that you are buying a second-hand house. The bank will re-evaluate the property through a real estate appraisal agency and give an appraisal price. In one case, the appraisal price of the property will be lower than the actual transaction price in the market.

2. Buying a house without a local household registration

1. When purchasing a house in a different place and applying for a mortgage, you need to provide a local tax certificate or social insurance payment certificate for more than 1 year. If you cannot provide a local tax certificate for more than 1 year, If a non-local resident with a tax certificate or social insurance payment certificate applies for a housing loan, the lender will implement the second (and above) set of differentiated housing credit policies, that is, the down payment and loan interest rate may be increased.

2. If you buy a house in a restricted area with a non-local household registration, you need to have one year of local social security (check and apply) or one year of tax certificate. At the same time, the down payment for a first home loan is 30% of the total purchase price. , the down payment for the second house is 60%. To buy a house in a non-purchase-restricted area, you can buy a house with a loan or make a one-time payment. For specific conditions, please consult the real estate sales department in the non-purchase-restricted area.

The above is the relevant content about whether non-local household registration can buy a house. I hope it can be helpful to everyone!