In Shanghai now, the proportion of "indigenous" residents has become less and less. In this crowded city of Shanghai, most of them are outsiders, who work hard and live in Shanghai. It may have been settled in Shanghai for a lifetime, so many foreigners began to move their minds and wanted to have their own home and buy a house in Shanghai. So what's the policy for this problem?

Conditions for buying a house

1. The foreign household registration must meet the requirements of paying social security for more than one year, or providing tax payment certificate (individual tax certificate) for more than one year, and must

take the family as the unit, in other words: single unmarried people are not qualified to buy a house;

2. Social security must be paid at the same time when you buy a house. If your social security is suspended when you buy a house, and the audit fails,

Therefore, you should keep paying normally until you get the real estate license before you buy a house.

3. The provident fund is a special fund that the unit regularly pays to the housing provident fund management center for employees to improve their living conditions.

You should bear half of it yourself and half of it by the unit. According to the regulations of Shanghai Housing Provident Fund Management, you can only apply for a housing provident fund loan if you have paid it continuously for more than six months and the balance is more than 7,5 yuan. You didn't pay the provident fund originally, so you can't apply for a housing provident fund loan, and you won't accept the overdue one;

application conditions for housing loan

1. Have a stable occupation and income and good credit;

2. Can provide a house sales contract or a pre-sale contract;

3. Have the ability to pay the down payment for house purchase;

4. Other requirements depend on different cooperative banks.

Application materials for house purchase loan

1. Identity documents;

2. Proof of marital status;

3. Proof of repayment ability and income;

4. documents proving that the down payment for house purchase has been paid;

5. A legally binding commercial housing sales contract signed with a real estate developer;

6. If there are * * * borrowers or * * * owners, * * * borrowers or * * owners need to provide relevant identity documents and commitments to agree to mortgage, and if there are * * * borrowers, they need to provide proof of repayment ability;

7. Other information required by the bank.

No matter whether you buy a house by yourself or by loan, foreigners must first work for one year and then pay social security for one year. In addition, there are many aspects involved in the problem of buying a house, which requires various observations and choices. More attention needs to be paid to funds and materials.

(The above answer was issued on June 29, 215, and the current purchase policy should be based on the actual situation)

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