Housing mortgage loans can only be handled in the city where the house is located. If you still need to apply for a credit loan after half a year of mortgage repayment, you can apply for a credit loan through the financial institution where the house is located. If you still need to continue to apply, you can apply on the online loan platform. Generally, the lender is required to be a permanent resident of the house and work and live here. If you apply in a different place, the loan amount will be reduced or a guarantor with local household registration will be required to guarantee the loan you apply for. The guarantor must meet the loan conditions before he can be a guarantor (in fact, he gives you a loan in the name of the guarantor).

Can I use Beijing's housing provident fund loan to buy a house in other places?

You can buy a house loan in different places. Non-Beijing nationals working in other places and those working in Beijing can apply for off-site provident fund loans. Beijing stipulates that from the date of 20 15 1, Beijing registered employees who have paid housing provident fund in other places can apply for loans from Beijing Housing Provident Fund Management Center on the basis of the payment certificate issued by the housing provident fund management center in their place of employment. 12 16, Beijing Housing Provident Fund Management Center released the draft of "Notice on Further Standardizing the Withdrawal of Housing Provident Fund", proposing for the first time that non-Beijing employees who work in Beijing and pay the provident fund can apply for using the provident fund to purchase houses at their domicile. In other words, people who are registered in Beijing and work in other places can apply for provident fund loans from Beijing Housing Provident Fund Management Center when they return to Beijing to buy a house. Foreign household registration, working in Beijing, can apply for provident fund loans to the housing provident fund management center where the household registration is located However, not all off-site housing loans can use Beijing's housing provident fund loans, and they must be "off-site" where the individual's household registration is located in order to enjoy Beijing's housing provident fund loans.

Can I buy a house with a loan from a different bank?

You can borrow money from banks in different places.

The process is as follows:

1. Before handling the loan, the borrower should find out whether the purchased building has a letter of commitment from the bank to provide personal housing mortgage loans, and then the borrower can apply for personal housing mortgage loans.

2. Fill in the loan application approval form and submit the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the developer of the loan bank.

3 as a loan guarantor, sign and seal the loan bank in the "Guarantor's Opinion" column of the loan application approval form.

4. The loan officer examines all the materials and documents submitted by the loan applicant, examines and approves the loan bank to recover the completed materials step by step, and issues loans to the property right registration and notarization department of the Bureau of Land and Resources according to the legally effective loan contract.

5. Go through the registration formalities of real estate mortgage and notify the developer to retrieve the loan contract. The developer will issue a certificate of payment to the loan bank, notify the borrower to retrieve the loan contract, loan voucher and insurance policy, and the loan officer of the loan bank will file the loan file.

To apply for a bank mortgage, you must also meet the following conditions:

1, at least 18 years old, with full capacity for civil conduct;

2. Can provide valid identity certificate and residence certificate;

3. Have a stable income and work, and have the ability to repay in full and on time;

4. Good credit record;

5. There is a purchase contract or agreement;

6. Have a certain percentage of down payment;

7. Meet other requirements of the Bank.

Matters needing attention in buying a house with a loan:

1. Don't use the provident fund before applying for a housing loan.

If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your personal provident fund account is zero, and your provident fund loan amount is also zero, which means that you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year.

According to the relevant provisions of provident fund loans, the part of early repayment should be carried out one year after repayment, and the amount you return should exceed the repayment amount of six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan.

Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.

Can a nonlocal hukou borrow money to buy a house in Beijing?

Foreigners who want to apply for a loan to buy a house in Beijing need to meet several conditions:

1, paid taxes in Beijing for more than 5 years;

2. Have a local temporary residence permit in Beijing;

3. Have basic loan capital.

As long as these points are met, foreigners can apply for loans in Beijing.

If my answer is useful to you, you can adopt it!

Can foreigners borrow money to buy a house in Beijing?

One: Beijing does not distinguish between locals and foreigners in handling provident fund loans, but it needs two conditions:

1, the first work unit must be in Beijing and have a provident fund. If the unit gives the provident fund, then there will be a provident fund account;

2. The provident fund account number must be continuously deposited for more than 65438+2 months.

Two: foreigners need to meet the following conditions when buying a house in Beijing:

1: tax payment certificate (individual income tax) or social insurance certificate for five consecutive years in Beijing;

2. Have a valid Beijing temporary residence permit;

3. The purchaser has no room in Beijing. If he gets married, neither husband nor wife has a house in Beijing.

4. ID card, marriage certificate and household registration book.

5. I bought a suite with a loan outside Beijing. If the above conditions are met, the down payment will be more than 60%, including 60%, and the loan interest rate will rise 10%.

6. There are no above restrictions on collective hukou, but collective hukou is not counted as Beijing hukou now. You must find a unit to receive the account, issue a receipt certificate, and stamp it effectively. Only in this way can we buy a house in Beijing.