Off-site loans refer to loans where the applicant's household registration and work place are not in the same area as the loan bank. The following procedures need to be prepared for the loan to buy a house in a different place: 1, the original ID card of the borrower and his wife, the original household registration book and the original marriage certificate. 2. The borrower's income certificate, pension insurance deposit certificate or tax payment certificate for more than one year. Buyers from different places have only two choices, either to pay in full, or to obtain a certificate or provide proof of social insurance payment after local tax payment 1 year. If the documents are complete, the down payment ratio is 30% and the interest rate is 8.5%.
Loans from different places. First, you are required to have social security. If you buy a house in Beijing, you are required to have social security for a long time. Secondly, there is a stable income. Lenders need to provide proof of income to banks. The monthly salary on the income certificate must be twice the monthly payment. It also requires the loan city to have legal status. If the lender wants to buy a house in a big city, he must have an account in the big city, and the account must be moved to the city in advance to be eligible to buy a house.