1. Local tax payment certificate or social insurance payment certificate should be provided for foreigners to borrow money to buy a house 1 year or more. If they pay in full, they don't need to provide relevant certificates. 2. If non-Chongqing residents are unable to provide relevant certificates (tax payment certificate or social insurance payment certificate), commercial banks will suspend the issuance of housing loans. Therefore, Chongqing's purchase restriction order lies in "restricting loans". 3. It is understood that the procedure of raising the threshold for foreigners to purchase houses with Chongqing loans is not the second set. Banks need not only proof of tax payment and social insurance payment, but also proof of income and repayment ability to buy a house with loans from different places. Some large state-owned commercial banks will directly deal with customers who can't provide complete procedures according to the down payment of 50% for the second home loan and the interest rate floating 1. 1 times. In the face of foreign property buyers, most banks will first explain to customers that they may not apply for loans. If the customer insists on buying, the buyer and the seller need to sign a tripartite exemption contract, stating that if the loan is not approved, the agreement can be automatically terminated.