The required procedures are as follows:
1. A local tax payment certificate or social insurance payment certificate of more than 1 year is required in the procedure of buying a house in a different place by mortgage.
2. If non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more apply for housing loans, the lender will implement the second (or above) differentiated housing credit policy, that is, the down payment and loan interest rate may increase;
There are many kinds of loans to buy a house, including provident fund loans and commercial loans. If the provident fund loan is just before the loan, you should know how much money is in your provident fund account and how much money the unit gives you every month.
Only by knowing your own situation can you get a loan. If it is a commercial loan, it is necessary to measure financial ability.
Lenders need to provide materials to the bank:
Household registration certificate provided by the local public security organ, job certificate issued by the unit, income certificate, local temporary residence permit, local fixed contact address and contact information. The bank will check the credit history of the lender and so on.
Extended data:
When buying a house in Nanning, you must also provide tax payment certificates and social insurance and other relevant supporting materials.
Tax payment certificate:
1, including personal income tax payment certificates issued by local tax authorities, individual industrial and commercial households, sole proprietorship enterprises and individual partnerships;
2. Social insurance: The payment certificates of various insurances issued by social insurance management institutions such as endowment insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance shall prevail.
References:
China Economic Net-Nanning real estate industry implements "red blacklist" system.