1. Chongqing local household registration is not allowed to buy a third or more houses, and foreign household registration can only buy one. Foreigners need to provide local tax payment certificate or social insurance payment certificate 1 year or more when they borrow money to buy a house. If it is paid in full, there is no need to provide relevant certificates.

2. If non-Chongqing residents are unable to provide relevant certificates (tax payment certificate or social insurance payment certificate), commercial banks will suspend the issuance of housing loans. The program is not the second set. Banks need not only proof of tax payment and social insurance payment, but also proof of income and repayment ability to buy a house with loans from different places.

Second, about the purchase restriction policy of buying a house in Chongqing

1. Are foreigners restricted in Chongqing?

First of all, it is not limited to buying a house in Chongqing with foreign household registration. Non-Chongqing household registration, enterprises and jobs have to pay taxes when buying a house. According to the relevant regulations issued by the Chongqing municipal government in early 20 17, people who buy ordinary houses in Chongqing need to pay 0.5% tax.

However, it will be more difficult to buy a house loan in Chongqing, because most banks will not accept the mortgage application of three employees, and the loan interest rate of local accounts in Chongqing has also increased.

2. The main contents of Chongqing's purchase restriction policy

Chongqing's purchase restriction policy is the same for locals and foreigners:

1, if there is no mortgage, you can buy two suites;

A. If you have a mortgage under your name, you can buy a suite, and you can only have two mortgages under your husband and wife's name at most;

B. Only if you have two mortgage loans under your name can you buy a house in full.

Extended data:

To buy a house in a different place, you need to provide local tax payment certificate or social insurance payment certificate 1 year or more. If non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more apply for housing loans, the lender will implement the second (or above) differentiated housing credit policy, that is, the down payment and loan interest rate may be increased.

References:

Notice on Further Strengthening the Regulation of the Real Estate Market-Chongqing Municipal People's Government