Working within the administrative region of this province and continuously paying the housing provident fund for more than six months; Purchase owner-occupied housing within the administrative region of this province; Have a stable economic income and the ability to repay the principal and interest of the loan on time, have good personal credit and have full capacity for civil conduct; There are legal proof materials such as the purchase contract (agreement), and the down payment of not less than the prescribed proportion has been paid; Provide the guarantee or mortgage recognized by the center where the house is purchased; The housing provident fund loan has been settled; Meet other conditions stipulated by laws, regulations and rules related to the housing provident fund loan policy of the purchase center.

First, to meet the qualifications for buying a house, the first thing you have to do is to fully understand the local housing policy. Affected by the property market regulation policy, many cities now implement strict purchase restriction policies for foreign household registration. Of course, the situation is different in different cities. Some cities need to pay social security for several years in a row, and some cities need to show such proof.

In many cities, the price of real estate and the qualification of buying houses are closely related to the national macro-policies and local economic and real estate policies. If you want to choose to buy a house in a different place, the first thing to do is to understand the relevant policies and be aware of them.

2. Credit information and income have been evaluated. When reviewing loan applications, banks require loan applicants to have stable jobs, income and good credit, and are more strict with property buyers in different places. When a bank approves a loan, it generally requires that the monthly running water or income certificate is twice that of the monthly payment. In other words, if the monthly payment of the loan applicant is 654.38+00000 yuan, then your income certificate will exceed 20000 yuan. If you are married, the bank will look at the total income of two people.

3. The purchase information is complete (1). Original and photocopy of ID card, or other identification documents. If married, the original and photocopy of the marriage certificate shall be provided; If you are single, you need the original single certificate; (2) The original and photocopy of the household registration book, including the home page, household head and personal page; (3) Have stable economic income, good credit, and income certificates issued by relevant units; (4) Other supporting documents required by relevant departments.

Third, understand the credit policy.

Buying a house with a loan from a different place requires a very detailed understanding of the loan requirements and policies of local banks. Be sure to prepare the required materials clearly in your hometown, so as not to delay things because of one or two materials!

5. Have a mortgage or guarantor

It is also an essential link that remote loans need mortgage. Some cities may need such a regulation: in addition to the house itself as collateral, it is generally necessary to provide other things or a guarantor as a guarantee. The bank can only agree to your loan after all the information is complete, the credit information and income have passed the evaluation, the collateral is legal and effective, and the guarantor's consent letter of commitment has also passed.