(two) the interest rate of provident fund loans can be preferential to about 3.8%.
Provident fund loan, the loan interest rate is 3.87%. The down payment for the first suite is 20% of the total house price. You need to pay the down payment yourself, and you can't borrow money.
(3) The down payment for buying a house can be reduced to 20%.
Foreign accounts must provide one-year tax payment certificate or social security certificate. The bank has made it clear that it will no longer provide housing loans to non-local residents who cannot provide tax payment certificates or social insurance payment certificates for more than 1 year. Bank staff also said: if the registered permanent residence of college graduates is not in this city, they can't provide tax payment certificates or social security payment certificates for more than 1 year, and they can't issue loans;
Parents who have just settled in work have to come forward to guarantee a number of banks, saying that even if college students have found jobs and registered permanent residence in this city, the loan to buy a house will be stricter, because the income of college students who have just worked is not very high and their repayment ability is limited;
If the college student's account is still there, it can also be counted as a local account, but the mortgage can only be approved by the income certificate issued by the company. Eligible, according to the first suite policy. Moreover, if the income of newly graduated college students is not high, the parents with high income have to be co-borrower;
In principle, non-local residents who can't provide social security certificates can borrow money, but they should follow the three-suite policy, that is, the down payment should reach 5 1%, and the interest rate should be 1. 1 1 times. Moreover, the income of college students who have just worked is relatively low, and they need family guarantees to get loans;
Although college students' hukou is local, they have no job and cannot be lenders. When the bank approves, it generally only depends on whether the main lender belongs to the dual lender. Therefore, it is impossible for foreign parents to buy a house with their children, and they can only choose the full amount.
legal ground
People's Republic of China (PRC) Civil Code
Article 209 The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.
Natural resources owned by the state according to law may not be registered.
Article 214 The establishment, alteration, transfer and extinction of the real right of immovable property, which should be registered according to law, shall take effect when it is recorded in the register of immovable property.
Article 215 A contract concluded between the parties on the establishment, alteration, transfer and extinction of the real right of immovable property shall become effective upon the establishment of the contract, unless it is otherwise provided by law or agreed by the parties. Failure to register the real right shall not affect the validity of the contract.