Can only provide commercial loans, provide ID cards, household registration books, marriage certificates, unit income certificates, and bank current accounts for more than one year. 1. To buy a house in a different place, you need to provide your ID card and a copy, proof of income at work, household registration book and down payment invoice. If you are married, you should also provide your lover's income certificate, ID card and copy, marriage certificate. At the same time, it also needs the family planning certificate of floating population issued by the Civil Affairs Bureau. Second, the down payment for commercial housing is 50%, and that for residential housing is 20%-30%. Third, the income proves that the actual income has doubled. It is no problem to buy a house with a loan from a different place:
(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
(2) the guarantor's credit certification materials.
(3) Collateral appraisal report issued by the socially recognized appraisal department.
(4) Other documents and materials as stipulated by the Construction Bank.
(5) Original and photocopy of the borrower's valid identity certificate.
(6) local permanent residence or valid residence identity certificate.
(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.
(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and the ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.
(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
Can I get a loan to buy a house in a different place?
Buying a house in a different place is a loan. You need the borrower's valid ID card, household registration book, proof of marital status (unmarried people provide unmarried certificate, divorced people provide divorce certificate), and married people also need to provide their spouse's valid ID card, marriage certificate, borrower's income certificate and real estate certificate to go to the bank. If there is a guarantor, you also need to provide the guarantor's ID card, household registration book and marriage certificate.
In fact, this time depends on the loan method chosen by the buyers and the local loan policy. In most areas, mortgage loans to buy real estate need to meet the following conditions:
1. China residents aged 18-65 with permanent residence or valid residence status in local towns;
2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
6. Other conditions stipulated by the bank.
If you plan to use provident fund loans, you need to understand that many cities can't use off-site provident funds. If you plan to use commercial loans, it depends on the local loan policy for the first and second suites. Under normal circumstances, you can apply for a commercial loan if you meet the local purchase qualification, but the loan ratio is related to the number of houses under your name and whether the loan is paid off.
In addition, if it meets the loan policy, it also depends on the loan conditions stipulated by the bank. Generally speaking, these conditions must be met: sufficient down payment, a house purchase contract, the borrower's age meeting the requirements, and a stable income.
Loan description:
Loans refer to the monetary funds provided by state commercial banks and other financial institutions to borrowers to repay the principal and interest at the agreed interest rate and time limit. Loans can be divided into short-term, medium-term and long-term loans, credit and secured loans according to whether there is guarantee or not, rural industrial and commercial loans and consumer loans according to loan objects and purposes, and personal housing commercial loans, personal housing provident fund loans and personal housing portfolio loans according to individual loan types.
In accounting treatment, the loan of an enterprise can be accounted for by "short-term loan" or "long-term loan" according to the length of the loan period, and then the loan interest can be accounted for by "interest payable".
How to buy a house with a provident fund loan in different places?
Handling process of housing provident fund loans in different places:
(a) the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the materials needed for loan review at one time.
(II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
(3) After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
(four) during the loan repayment period, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly notify the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
(5) In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract.
Legal basis: Regulations on the Management of Housing Provident Fund
Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and for the establishment or transfer of employee housing provident fund accounts.
Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.
Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.