Non-local accounts need to pay social security above 1 year or pay taxes above 1 year. See if you bought it first-hand or second-hand. Second-hand housing should pay social security and tax payment certificate, and if you want to borrow money, you should pay tax payment certificate within one year.

Specifically: it is a foreign hukou, and it is necessary to provide a tax payment certificate or social security certificate for more than one year. The benchmark interest rate for commercial loans over five years is 7.05, and for provident fund loans over five years, it is 4.9.

See below for details: you can borrow money, and the interest rate is the same as that of a local account. If commercial loans are selected, 1: interest rate rises 10%, which is 7.755. It is normal to approve loans. If it is acceptable, you can pay 15 working days' benefits 1500 yuan. 2. If you choose to float 5%, you can, but now the bank approval is very strict, and the time from approval to lending is too long. Ordinary landlords can't accept it. Provident fund loans: At present, the provident fund invested by foreign accounts in Qingdao cannot be used for provident fund loans.

Foreign accounts, but provident fund investment in Qingdao, you can provident fund loans. Provident fund interest rate 4.9 Business loan needs information: single: household registration book, ID card, single certificate, tax payment certificate or social security investment record for more than half a year. Married: Husband and wife's household registration book, ID card, marriage certificate, tax payment certificate or social security record for more than half a year.