You can regularly transfer money to the bank card bound to the repayment. After the repayment amount is due, it will automatically deduct the repayment amount. You don’t need to go to the bank to repay the money, and the money will be paid directly to Just put it in your bank card, so it will not be affected whether you are in another place or locally. You must work in the administrative area of ????the province and pay the housing provident fund normally for more than six months; buy a self-occupied house in the administrative area of ????the province; have a stable economic income. and the ability to repay the principal and interest of the loan on time, have good personal credit, and have full capacity for civil conduct; have a legal purchase contract (agreement) and other supporting materials, and have paid a down payment of no less than the prescribed proportion; provide the approval of the center where the house is purchased guarantee or mortgage; the housing provident fund loan has been settled; and other conditions stipulated in the laws, regulations and rules of the housing provident fund loan policy relevant to the place where the house is purchased are met.
1. If you meet the qualifications for buying a house and buy a house with a loan in another place, the first thing you need to do is to fully understand the local house buying policy. Affected by the property market control policy, many cities now implement strict purchase restriction policies for foreign residents. Of course, different cities have different conditions. Some cities need to pay social security for several consecutive years, while others need to show such Such proof.
The real estate prices and home purchase qualifications in many cities are closely related to the country’s macro policies and local economic and real estate policies. If you want to choose to buy a home elsewhere, the first thing to do is to understand the relevant policies. Be aware of it.
Second, after credit and income assessment, banks require loan applicants to have a stable job, income and good credit when reviewing loan applications. This is especially true for home buyers from other places. strict. Banks generally require proof of monthly turnover or income to approve loans that is twice the monthly payment. That is to say, if the monthly payment of a loan applicant is 10,000 yuan, then your income proof must exceed 20,000 yuan. If you are married, the bank will look at the combined income of both people.
3. Complete house purchase information (1) Original and copy of ID card, or other identification. If you are married, you must provide the original and copy of your marriage certificate; if you are single, you must provide the original certificate of singleness; (2) The original and copy of your household registration book, including the home page, head of household, and personal page; (3) Have a stable Economic income, good credit, and income certificate issued by relevant units; (4) Other supporting documents required by relevant departments.
Third, understand the credit policy
Buying a house with a loan in another place requires a very detailed understanding of the loan requirements and policies of the local bank. Be sure to prepare the required information clearly in your hometown to avoid being frustrated by one or two The back and forth of materials delays things!
5. Have a mortgage or guarantor
The need for mortgage for off-site loans is also an indispensable link. Some cities may require such regulations: In addition to the house itself as a mortgage, other things or a guarantor must be provided as a guarantee. Only after all the information is complete, your credit and income have passed the assessment, the collateral is legal and valid, and the guarantor's letter of commitment has been approved, can the bank approve your loan.