The foreign guy bought a house in Beijing and the local social security loan was not paid.
Mr. Yu is from Langfang. After graduating from college, I joined a private enterprise and have been working for two years now. Because the unit is small, he didn't pay social security and provident fund. He has been looking at the house in the agency recently. Finally, he decided to buy a house in Shunyi. However, I don't know whether I am qualified to buy a house because I haven't paid social security, only the bank's running water and income certificate.
Expert's answer: In the case, Yu Xiansheng is from Hebei province, and did not meet the current "purchase restriction order" standard in Beijing. Mr Yu Can can only apply for a housing loan in Beijing after he has provided the social security or tax payment certificate for five years. He can't buy a house in Beijing now because he hasn't paid social security.
Buyers who don't pay social security and have no bank running water can't buy a house with an ID card loan.
Miss Li is currently renting in Dongcheng with her husband. A few years ago, she got married and had a baby. Since having children, she quit her job and stayed at home as a full-time housewife. Last year, she and her husband decided to borrow money to buy a house. Because her husband owns a house, she wants to buy it in her own name. However, after her resignation, social security and provident fund were suspended and only ID cards could be provided. I don't know if she is qualified to buy a house.
Expert's answer: The requirement for applying for a loan is to provide the bank with proof of income flow for nearly 6 months, but Miss Li resigned for her own reasons and could not provide these certificates to the bank, so she could not apply for a loan. First of all, banks will consider the borrower's repayment ability before lending. The ability to repay cannot be proved by ID card alone. Therefore, no matter what loan method, even the simplest unsecured loan, the borrower must provide the bank with personal income certificate, work certificate stamped with the official seal of the company and other materials in order to successfully apply for and obtain the loan. Different banks require different materials for loan types, so borrowers need to inquire in advance and prepare materials. Therefore, if Miss Li wants a loan, she can only apply in the name of her husband. According to the current policy, it is considered as a second suite.
Beijing natives can't borrow provident fund when they go to other provinces.
Mr. Xiao and his wife are both born in 1980s. Now he works in a private enterprise. This year, he wanted to buy a small apartment in Beijing with his salary savings and the support of his parents. However, after seeing the house several times, he felt that his financial strength could not bear the pressure of buying a house, so they delineated the area of buying a house in the surrounding urban areas of Beijing. Finally, Mr. and Mrs. Xiao chose a two-bedroom apartment in Hebei, but I don't know if they can use provident fund loans across regions.
Expert answer: In the case, Mr. and Mrs. Xiao both work in Beijing, and the social security and provident fund paid are also in Beijing. At present, except for some areas in Hebei, the provident fund loan paid by Beijing cannot be used across provinces, so Mr. Xiao needs to consult the local provident fund management center in Hebei before handling the loan to see if the area where the house is purchased supports the provident fund loan. Similar to Mr. Xiao, many people buy houses outside Beijing. At present, when the loan interest and the overall interest rate drop, we can try to use commercial loans to solve the problem of buying a house. ?
(The above answers were published on 2016-12-19. Please refer to the actual situation for the current purchase policy. )
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