It doesn't matter that a legal person can borrow money to buy a house. However, the loan conditions need to be met.
(1) Having legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;
(2) Having a good credit record and willingness to repay;
(three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;
(4) the contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses;
(5) Being able to pay the down payment of the purchased house;
(6) Opening a personal settlement account in a bank;
(7) Effective guarantee recognized by the lender;
legal ground
Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Commercial Housing Sales Contract Cases 16. If one party requests a reduction on the grounds that the agreed liquidated damages are too high, it shall appropriately reduce the breach loss by 30%. If the parties demand an increase on the grounds that the agreed liquidated damages are lower than the losses caused, the amount of liquidated damages shall be determined according to the losses caused by the breach of contract.
I am a foreigner and the legal representative of a company in Beijing. Can I go to mortgage to buy a house in Beijing?
The legal representative can't explain anything It depends on how many shares you hold in your company, how much profit your company has a year, how much it will be distributed to you, and whether the running account in your bank card is enough. As long as you earn enough, the loan problem is not big.
What materials do enterprises need to prepare for buying a house with a loan?
I. Materials to be prepared for the corporate loan to buy a house:
The legal person is the original and photocopy of the lender's ID card, the original account book, the bank account number, the car and the real estate license that can prove the ability to repay the money.
The company's financial statements, income statement, balance sheet, articles of association, organization code and business license.
If you are married, you also need to provide marriage certificate, household registration book and ID card.
Can an enterprise legal person in Beijing buy a house in five years?
I thought the same thing.
Housing conditions in Beijing
One: tax payment certificate (individual income tax) or social insurance certificate for five consecutive years in Beijing;
Two: a valid Beijing temporary residence permit;
Three: The buyer has no room in Beijing. If he got married, neither husband nor wife has a house in Beijing now;
Id card, marriage certificate, household registration book.
Five: Buying a suite with a loan outside Beijing meets the above conditions. The down payment is more than 60%, including 60%, and the loan interest rate rises 10%.
Can a company with less than 5 years of social security buy a house in Beijing?
Of course you can buy it. Even if the social security is less than five years, you can buy a house with 70-year property rights.
1. Those who have paid taxes and social security for less than 5 years can buy a house with 70-year property rights in Beijing as long as they can get a work residence permit in Beijing; With a work residence permit, except that children can't take the college entrance examination in Beijing, other rights are equivalent to Beijing hukou.
2. If you don't have a residence permit and the social security and individual tax are less than 5 years, you can still buy a house with 70 years of property rights in the following ways.
(1) Fapaifang
70 years of residential real estate auction is not limited to purchase, you can buy a house without qualification, but you have to pay the full amount.
(2) bungalows
There is no limit to the purchase of bungalows, only the full amount can be purchased, and no loans can be made.
In short, as long as you have a work permit, you can buy a house for 70 years.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.