1. The borrower must have proof of long-term residence in the place where the house is purchased, and can provide proof documents such as residence permit.
2. The borrower needs to have a stable work unit and income source in the place where the house is purchased, and can provide the job certificate, income certificate and salary certificate issued by the unit.
3. The borrower needs to pay social insurance of 1 year or above at the place where the house is purchased, and can provide proof of paying social insurance.
4. The borrower meets other conditions for local housing loans in different places.
Matters needing attention in buying a house with external account loan
1. Generally, the local tax payment certificate or social insurance certificate that has been paid for more than 1 year is required to buy a house with a foreign household registration loan. If a non-local resident who cannot provide 1 or above local tax payment certificate or social insurance payment certificate applies for a housing loan, the lender will implement the second (or above) differentiated housing credit policy, which may increase the down payment and loan interest rate.
2. The examination and approval procedures and processes of each bank are different, but generally the lender is required to provide: the household registration certificate provided by the public security organ where the account is located, the job certificate issued by the unit, the income certificate, the local temporary residence permit, the local fixed contact address and contact information, and the bank will inquire about the lender's credit record.
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, first know how much money is in your provident fund account and how much money the unit gives each month. Only by knowing your own situation can you get a loan. If it is a commercial loan, we must measure the financial affordability.
4. The monthly repayment amount of the loan is ≤ 50% of the monthly disposable income-monthly property management fee, and the monthly repayment amount of the loan is ≤ 55% of the monthly disposable income-monthly property management fee-monthly repayment amount of other debts.
5, cash, bank deposits and other emergency funds can maintain more than three months of daily expenses, in case of emergency.
6. It should be noted that most banks provide the business of changing the repayment method of mortgage loans, and at the same time provide the repayment combination method. 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 and pressure too great.