With the development of Shenyang's economy, more and more foreigners come to work in Shenyang, which also makes Shenyang's housing prices rise gradually, which means more and more loans to buy a house. So for these foreigners who come to work and buy a house in Shenyang, how can foreign accounts apply for loans in Shenyang? What conditions do you need to meet when buying a house with a loan? 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; The other is that the hukou is in the field and the source of income is in Shenyang. "

According to relevant sources, in the specific implementation of the bank, 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 the local citizens.

The biggest difference at present is the interest rate. Generally speaking, if it is a second suite, the interest rate is 1. 1 times. However, if the loan qualification is average and the income comes from other provinces and cities, it is normal for the interest rate to rise by 20% ~ 30%. And some property buyers, even if it is really a set of housing, in the implementation, banks sometimes implement it according to two sets of interest rates. Even some banks do not give loans to customers whose accounts and income sources are in other places. For example, state-owned banks do not give third-home loans.

Of course, banks will be different when implementing policies, and the specific standards should still refer to banks.

Second, the conditions for foreign households to borrow money to buy a house 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 local tax payment certificates or social insurance payment certificates for more than 1 year apply for housing loans, and the lender will implement the second (or above) differentiated housing credit policy, that is, the down payment and loan interest rate may be increased.

2. The approval procedures and processes of each bank are different, but lenders are generally required to provide: household registration certificate provided by the public security organ where the household registration is located, job certificate issued by the unit, income certificate, local temporary residence permit, local fixed contact address and contact information. The bank will check the credit history of the lender and so on.

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 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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