These include identification materials (such as passports) and personal income certificates (bank flow, letters from employers, etc. ).
Relatively speaking, when lending to overseas investors, wespac (Western Pacific) Bank has the fastest approval speed.
The following process is recommended:
The first step is to find a bank or broker to get pre-approval, so that you can know the maximum amount you can borrow. Ask them to give you a written document, which is usually valid for half a year.
After seeing the right house, if it is a private sale, I suggest you find a lawyer and let him look at the contract, but don't let the intermediary know. If the intermediary knows, you will lose the cooling-off period.
There is nothing wrong with the contract. If the original owner accepts the offer (usually paying a deposit of 65,438+0,000 yuan at the same time) and signs it, then give the contract to your lawyer and let him handle the handover part. You need to apply for a loan, which is not necessarily the same bank as the pre-approval you were looking for. Then you have to make up another part of the house price within a certain period of time (10%- 1000 yuan of the house price).
Leave the rest to the bank and the lawyer.
If it is an auction, then to be on the safe side, someone will spend money to check the building and pests of the house, because there is no cooling-off period for the auction, so you must buy it if you photograph it. In addition, go to the bank to open a checkbook, and pay a deposit of 10% on the day of auction, usually a check. To be on the safe side, you can also let the lawyer look at the contract. Then go to the auction! Take a photo and pay 10%, sign a contract, apply for a loan, and hand it over to the bank and lawyer.
I hope my answer can help you.