Subjectivity of law: Recently, many people are interested in what conditions need to be met when applying for housing loans, and how to stipulate what conditions need to be met, but in fact, most people don't know much about what conditions need to be met when applying for housing loans. Bian Xiao has compiled relevant information for everyone, hoping to bring help to everyone. 1. What conditions are required to apply for housing loan (1) and have legal status; (two) a stable economic income, good credit and the ability to repay the principal and interest of the loan; (3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank; (4) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; (5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; (6) Other conditions stipulated by the lending bank. Second, the housing loan 1 what materials need to be submitted? Materials that the borrower (buyer) needs to provide: ① ID card; (2) Household registration book (home page, household registration book home page, personal page, change page, if it is a collective account, the first business is required) and temporary residence permit (non-locals need to provide); (3) academic certificate (junior college or above); (4) professional title certificate (provide professional title); (5) proof of marital status (marriage certificate, divorce certificate, judgment, divorce agreement, single certificate); ⑥ Income certificate (affixed with company official seal or personnel seal); ⑦ A copy of the business license of the unit is stamped with the official seal or personnel seal; 8 down payment certificate; Pet-name ruby house sales contract signed by the buyer and the seller; Issue military officers' cards to soldiers and police officers' cards to police; 2. The borrower's (buyer's) spouse needs to provide information: ① ID card; (2) Household registration book (home page, household registration book home page, personal page, change page, if it is a collective account, the first business is required) and temporary residence permit (non-locals need to provide); (3) With the specific requirements of different banks, the materials to be submitted will be different. (4) Check the original materials provided by the buyer when making a loan. The above is the relevant knowledge compiled by Bian Xiao for everyone. I believe everyone should know something about it. If you don't know what conditions you need to meet when applying for a housing loan and how to meet them, you can read other articles about Life Cat, hoping to help you. I hope my answer is helpful to you! In case of doubt, legal advice is welcome. Wish you a happy life!

Legal objectivity: Article 27 of the Measures for the Administration of Urban Real Estate Mortgage stipulates that a valid pre-purchase housing contract must be submitted if the pre-purchase commercial housing loan is used as collateral. "Measures for the Administration of Urban Real Estate Mortgage" Article 30 Within 30 days from the date of signing the real estate mortgage contract, the mortgage parties shall go through the real estate mortgage registration at the real estate management department where the real estate is located.

2. What are the conditions for housing loan in Guangzhou?

There are the following points:

1, the loan period needs to expire.

2. Have a stable job

3. Have sufficient loan repayment ability;

4. The actual age of the borrower plus the loan application period shall not exceed 70 years old;

5. Adequate down payment, generally more than 30% of the total purchase price.

6. Assets can be mortgaged or pledged, and legal persons with sufficient compensation capacity can guarantee it.

3. What are the conditions for buying a house in Guangzhou? What are the conditions for buying a house loan in Guangzhou?

Buying a house in a different place means that the location of the buyer's household registration is not in the same province as the location of the house to be purchased.

The process of buying a house in a different place is as follows:

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;

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. I am a nonlocal hukou. What are the requirements for buying a house in Guangzhou?

I believe everyone knows that with a Guangzhou hukou, you can buy 2 suites in Guangzhou, and Zengcheng and Conghua are not limited to purchase;

Without Guangzhou hukou, you can only buy 1 suite in Guangzhou, and Zengcheng and Conghua are restricted.

Social security restrictions are quite helpless for outsiders! After waiting for five years, the full amount may become a down payment. The best way is to choose Guangzhou: you don't have to wait five years for social security to buy a house, and a family can buy two sets.

Then of course, the most rude solution is to go directly to Guangzhou. And whether you can apply to enter Guangzhou, what are the conditions to judge?

1, are you under 40?

2. Have you attained a bachelor's degree or above?

3. Is social security paid continuously in Guangzhou?

4. Does the applicant have any criminal record?

It is true that some hardware conditions do not meet, for example, the education is not undergraduate. If the above conditions are not met, please continue reading, because some conditions can be solved later.

1, if the academic qualifications do not meet the requirements, you can choose to upgrade your academic qualifications or research your skills;

2. If you haven't paid Guangzhou social security, you can start paying it now;

If you are over 40 years old or have a criminal record, then you have no chance to get a Guangzhou hukou? ..

You can consult an agent when you enter the house. It is not only the purchase restriction policy on loans, but also the difference between wide households and non-wide households. The following form is in your custody.

Guangzhou Hukou Commercial Loan Policy

Guangzhou hukou provident fund loan policy

Commercial loan policy for non-Guangzhou hukou

Non-Guangzhou hukou provident fund loan policy

Talent purchase policy

From the end of last year to the beginning of this year, four regions in Guangzhou * * * introduced talent purchase policies, namely Huadu, Nansha, Huangpu and Baiyun. In terms of education, Baiyun has four towns: Jianggao, Renhe, Taihe and Zhong Luotan. As long as you can buy a house in junior college 1 year, it can be said that it is the lowest threshold for buying a house.

In Nansha and Huadu, those with bachelor degree or above, who study or work in this area, can enjoy the qualification of buying houses, and the threshold is not high. The detailed rules of Huangpu's talent policy have not been published, and the scope of talents is still unclear, but it is not difficult to meet the work requirements for half a year no matter what kind of talents are targeted at.

In terms of professional skills, you can buy a house in Nansha and Baiyun with intermediate or above technical titles. The purpose of talent policy is more to attract talents for the region than to encourage real estate speculation. But there is also some room for operation.

Hot issues about foreigners buying houses in Guangzhou

1. Can a husband and wife buy a house together if one of them meets the five-year social security and the other is not satisfied?

A: For non-Guangzhou household registration families, as long as one of the spouses meets the conditions for buying a house in Guangzhou, they can write their names when buying a house.

2. If the social security is not satisfied, are you still eligible to buy a house after filing the tax bill?

Answer: The question of whether the tax bill is qualified to buy a house requires the Housing Authority to send a letter to the Local Taxation Bureau to confirm whether the buyers are qualified to buy a house. The process is as follows: when the property buyers submit documents, they will submit tax returns to the Housing Authority, and the Housing Authority will send a letter to the Local Taxation Bureau, which will reply to the Housing Authority. It will take about 3 weeks to confirm whether you are qualified to buy.

3. Can a foreign account be linked to a Guangzhou collective account to buy a house?

According to the "household registration" standard stipulated by the current policy of Guangzhou Real Estate Transaction Registration Center, as long as you have a household registration in Guangzhou, you can buy a house according to the local purchase restriction policy, whether it is a collective account or an individual account. In other words, Guangzhou collective hukou can buy two houses in Guangzhou restricted urban areas without social security and tax payment certificates.

4. What are the policies for Hong Kong, Macao and Taiwan and foreigners to buy a house in Guangzhou?