Today, in order to curb the growth of housing prices, the country has implemented house purchase restriction policies in many areas. So how many houses can one person buy? Today the editor will answer the question for you. Friends who want to know may wish to join the editor to see what conditions a borrower should have!
1. How many houses a person can buy
It should be determined according to different cities. Generally, in cities with purchase restrictions, a family can buy two houses as a unit. If people registered in other places do not have real estate in their names, they can purchase a house if they meet local house purchase conditions. If they have real estate in their names, sales of houses to them will be suspended. If it is not a city with purchase restrictions, you can buy as many units as you want.
2. What are the conditions that the borrower should meet
1. The borrower should be a natural person between 18 and 60 years old.
2. The borrower should have a stable career and income, and should be able to repay the principal and interest of the loan on time.
3. The age of the borrower plus the number of years applying for the loan shall not exceed 70 years old.
3. What information does the borrower need to provide?
1. The original and photocopy of the borrower’s and spouse’s ID cards, and the original and photocopy of their household registration.
2. Original and copy of the house purchase agreement.
3. The original and copy of the receipt for the down payment of RMB 20 or more.
4. Proof of the borrower’s family income and other relevant assets, including: salary slips, tax bills, income certificates issued by the unit, bank deposit certificates, etc.
5. The developer’s payment account number.
6. A copy of the business license of your workplace with the official seal.
7. Credit certificate: including Gu Huiheng’s academic certificate, real estate certificate of other houses, personal bank account number, large amount of deposit certificate, etc.
8. If the lender is a corporate legal person, it must also provide annual inspection financial statements, business licenses, organization code certificates, tax registration certificates, corporate articles of association, etc.