Calculate how much it will cost to decorate your home. The economic conditions in Shenyang are very good, and the people's quality of life is good. Many people appreciate it. Coupled with the rapid development of traffic, many people will want to settle in this city with close north-south exchanges. But we must know that every city now has certain requirements for buying a house, and only when it is qualified can it buy a house. So, what conditions do you need to buy a house in Shenyang? Let's have a look! Shenyang house purchasing qualification 1, Shenyang local registered households purchase the first house, and the loan ratio is not less than 30%. Property buyers also need to have household registration book, marriage certificate (or single certificate) and the results of housing information inquiry in this city. Non-registered families in this city purchase the first suite, and the down payment ratio shall not be less than 60%. And non-local families can only buy one suite, with a general down payment of 30%, and personal income tax payment certificate or social security payment certificate for continuous payment of 1 year or more in this city. What are the housing purchase restriction policies in Shenyang (including Xinmin, Liaozhong, Faku and Sujiatun)? )? For the time being, the household-based housing purchase restriction policy will be implemented, that is, households with local household registration who already own 1 apartment and households with non-local household registration who can provide tax payment certificates or social insurance payment certificates for more than 1 year in this city can purchase 1 apartment in this area. For families with two or more houses registered in this Municipality and families with/kloc-0 or more houses not registered in this Municipality, the sale of houses in the above areas will be suspended. Editor's summary: The above is some relevant information for friends who want to buy a house in Shenyang. Buying a house is not only about preparing funds, but also about policies. Only by constantly paying attention to policy changes will it be beneficial to buying a house. Enter the area and get the decoration quotation for free.

Second, how long will it take for people from other places to work in Shenyang to pay off their housing provident fund before they can borrow money to buy a house?

You can apply for a provident fund loan to buy a house after paying the provident fund for more than half a year.

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle housing mortgage loan and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

Provident fund loan process:

1. The borrower applies for a loan at the acceptance branch;

2. Accept the outlets to inquire about the property status under the family name;

3. Accept the acceptance of outlets;

3. sign a contract;

4. examination and approval;

5. The real estate trading center shall handle the mortgage registration procedures;

6. Bank loans.

3. What are the conditions for foreign hukou to buy a house loan in Shenyang?

With more and more foreigners coming to work in Shenyang, the housing price in Shenyang is also rising gradually, which means that more and more people buy houses with loans. So for these foreigners who come to work and buy a house in Shenyang, how can foreign accounts apply for loans in Shenyang? What do you need to satisfy? Let's take a look with Bian Xiao!

Banks in Shenyang have different businesses for off-site housing loans. In order to facilitate people to borrow money to buy a house in Shenyang, Bian Xiao sorted out the conditions, loan ratio, repayment interest rate, settlement and other contents of foreigners' loans in Shenyang. I hope I can help you.

First, the loan crowd:

With the development of urban construction in Shenyang, Shenyang has gradually become a livable city, and more and more foreigners choose to buy houses in Shen 'anjia. But when banks lend money, how do they lend money to foreigners, and what are the specific implementation standards? Relevant persons introduced: "There are two main types of loans for foreigners: one is the source of income and customers with registered permanent residence in other places; Another source is in Shenyang. "

According to relevant sources, if the customer lender can provide the tax payment certificate or social insurance payment certificate for more than 1 year, it will be regarded as the same loan conditions as local citizens.

The biggest difference at present is the interest rate. Generally speaking, if it is a second suite, the loan qualification is average, and the income source is in other provinces and cities. It is normal for interest rates to rise by 20% to 30%. And some property buyers, even if it is really a set of housing, sometimes banks will arbitrage on the basis of two sets, and will not give loans to customers whose accounts and income sources are in other places, such as the third set of state-owned banks.

Of course, banks will be different when implementing policies, and so will the specific standards.

Second, the foreign registered permanent residence is in Shenyang.

1. A local tax payment certificate or social insurance payment certificate of more than 1 year is required to go through the formalities of purchasing houses in different places. Non-local residents who cannot provide proof of 1 year apply for housing loans, and implement differentiated housing credit policies, which may increase the down payment and loan interest rate.

2. The examination and approval procedures and processes of each bank are different, but they are generally household registration certificates, work certificates, income certificates and local temporary residence permits provided by public security organs, and local fixed contact banks will inquire about the credit records of lenders.

There are many kinds of loans to buy a house, including provident fund loans and commercial loans. If the provident fund loan is just before the loan, you should know how much money is in your provident fund account and how much money the unit gives you every month. Only by knowing your own situation can you get a loan. If it is a commercial loan, it is necessary to measure financial ability.

4. Commercial loans should follow three principles:

(1) The monthly repayment amount of the loan is ≤ 50% of the monthly disposable income-monthly property management fee;

(2) The monthly repayment amount of the loan is less than or equal to 55% of the monthly disposable income-monthly property management fee-monthly repayment amount of other debts;

(3) Cash, bank deposits and other emergency funds should be able to maintain daily expenses for more than three months in case of emergency.

5. Most banks offer the business of changing mortgage repayment methods, and at the same time provide repayment combination methods. If you find that the current mortgage repayment method is not suitable, you should consult professionals and choose a suitable combination method to make changes, so as not to hurt your credit or make the burden too large.

The above is the relevant content of foreign hukou applying for a loan to buy a house in Shenyang, hoping to help everyone.

(The above answer was published on 20 15- 12-28, and the current relevant housing purchase policy should be based on the actual situation. )

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4. What are the conditions for Shenyang to buy a house with a loan?

If you need to apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, you need to contact the personal loan department at the local counter directly to provide personal information and the status of the purchased property before you can apply.