2. If you don't have an account in Xi and want to buy a house in Xi, you must provide proof that you have paid social security or individual tax for more than 5 years (inclusive), and you can buy a house of 1 in the restricted area. It is also necessary to prepare 1 original of the Application Form for Qualification Examination of Commercial Housing Purchase in Xi City. Id card 1 copy, household registration book 1 copy, marriage certificate 1 copy (or original single declaration), divorce agreement 1 copy, divorce certificate (or civil mediation document with receipt, or effective divorce judgment), social security certificate or original personal income tax payment certificate 1 copy.
Xi housing loan policy
(1) down payment ratio
Commercial loan: the down payment for the first suite is not less than 30%; The down payment for the second suite is not less than 40%; The third suite cannot be loaned; The down payment for non-ordinary housing is not less than 50%. Property buyers apply for provident fund loans, and the proportion of the first suite is not less than 25%.
(2) Conditions for applying for commercial loans
Borrower 18 years old or above; The applicant's age+loan period is not more than 70 years old; There is a down payment for buying a house; Have a stable job, and the salary is more than twice the monthly repayment; Need to provide proof of income; No bad credit record.
(3) Information to be provided when applying for commercial loans
Original and photocopy of the purchase contract and down payment invoice; Original and photocopy of the applicant's (and spouse's) household registration book; Original and photocopy of marriage certificate (divorce certificate); Unmarried persons provide their own unmarried statement (bank text); Income certificate with official seal or personnel department seal (bank text); A copy of the business license with annual inspection and official seal; Proof of educational experience; Personal credit report, etc.
Can Xi 'an buy a house and settle down?
1. You can settle down by buying a house in Xi 'an. Xi introduced the policy of purchasing houses and settling down. Recently, Xi once again relaxed some household registration access conditions. According to the policy of settling down, anyone who has a legally fixed residence in this city can move into this city, and his spouse and children can move with him.
2. Legally fixed residence means that we acquire the legal property right of the house by buying or accepting gifts and hold the real estate license. In the case that the community has settled down, even if there is no real estate license, you can apply for settlement with the purchase contract and invoice. Buying a house in Xi will no longer be restricted by social security and purchase area.
3. The ways to settle in Xi 'an are education, college students, talent introduction, venture capital, relying on immediate family members and settling down. According to the policy, families who live in this city and pay social security can also apply for settlement if they meet the conditions. For example, if you live and live in this city, and have registered for residence for more than 2 years and paid social security 1 year, you can move into this city and settle down.
However, in order to promote the steady and healthy development of real estate in this city, the government has issued relevant policies and regulations. Families who have moved into the household registration from outside the city and want to buy houses in the restricted area of this city should meet the conditions of having settled in this city for full 1 year or paying social security and individual taxes continuously 1 year. Households registered in this city are restricted to purchase 2 sets of houses.