Not long ago, a survey report on the purchase of houses by foreigners released by Chengdu Housing Management Bureau showed that at present, foreigners account for about 40% of the buyers in Chengdu, and foreigners who buy houses in Chengdu have strong purchasing power. The charm of 30% foreigners and perfect urban projects are the core advantages to attract foreign buyers. Now that the house is settled, many people often call us to buy it in Rong. Our reporter paid a visit to Silver's concerns. Buyers in Mianyang bought houses in Chengdu. Do they have to pay back the money in Chengdu every month? Le outlets, what if the property can only be mortgaged in Shanghai Pudong Development Bank? I have been away from Chengdu for a long time. How do I know about the latest policy adjustment of the bank? There are more and more foreign buyers buying houses in Chengdu. This newspaper provides a clear loan guide for major banking institutions and families in five cities. Chengdu loans can be repaid locally. Generally speaking, foreign buyers and local buyers in Chengdu apply for loans in the bank in the same process. According to the application of real estate, the customer can go through the formalities after the application is passed, and the loan can be issued to the customer. Foreign customers, like local customers in Chengdu, need certificates, original and photocopy of household registration book, income proof materials, purchase contract materials, etc. While applying for a loan. For the problem of off-site loan repayment that many second-tier city buyers are concerned about, the reporter learned in the interview that if banks have local outlets, they can repay at bank outlets. For example, Mianyang buyers buy houses in Chengdu and apply for loan repayment at Mianyang Agricultural Bank. According to the relevant person in charge of the personal loan department of the Agricultural Bank of China, this kind of repayment fee is more annoying for local property buyers. However, it is worth noting that the opening bank is China Agricultural Bank. If it is transferred to the mortgage account of Agricultural Bank through other local banks, a certain handling fee will be charged. Choose good personal loan products and reduce the handling fee. At present, there are also many banks cooperating with various real estate projects in Chengdu. In addition to the traditional four banks of industry, agriculture, China and construction, many real estate projects also choose to cooperate with joint-stock commercial banks, such as China Everbright Bank, China Development Bank and China CITIC Bank. Real estate projects can only apply for personal mortgage loans in these joint-stock banks. For this regulation, there will be some minor troubles, because some joint-stock commercial banks have no business outlets in secondary cities temporarily, and these banks provide mortgage services. When foreigners buy a house in Chengdu, they often have to transfer money to repay the loan every month, which will lead to inter-bank transactions. In order to reduce the handling fee, buyers can choose a bank with a local branch, pay the developer in one lump sum and then repay it to the bank every month, thus eliminating the preferential formula of one-time payment for the developer to repay through inter-bank transfer every month. At present, many buildings in Chengdu will choose several banks to cooperate at the same time, and buyers should choose the bank that suits them best. Financing repayment at the same time is the same as choosing a house. There is no best, only better. At present, the mortgage products launched by banks are endless and varied, such as direct loans to customers and fixed-rate cooperative loans. Choosing a product requires comprehensive consideration of current and personal investment and financial preferences, and the future income is stable. Property buyers who need to lock in interest rate risk can consider "fixed interest rate mortgage". The borrower repays the loan at a certain interest rate agreed in the contract, and the repayment interest rate will not be adjusted because of the change of the bank interest rate. The characteristic of this mortgage product is that during the loan period, no matter how the bank interest rate changes, the borrower will pay interest according to the fixed interest rate signed in the contract, and the repayment amount will not change because of the interest rate change. Young property buyers with low income can complete the purchase through "Heli Loan". Heli loan is mainly aimed at borrowers with poor repayment ability. It is generally difficult for low-income people to get loans to buy a house through bank approval, but it is easy to get them if the family is the application unit. "Revolving mortgage loan product" refers to a certain loan amount agreed by consumers and banks, within which they can borrow at any time without re-approval. And when customers have short-term idle funds, they can also repay the loan at any time. If you want a loan, as long as you have a proper job and a stable income, I will give you a loan, just like I am from Sichuan and Shanghai. Continue to ask: 10. 1 issued a policy that banks do not lend money to foreigners to buy houses. I estimate that it will take several years to implement this policy. First of all, Shanghai has not started to implement Chengdu, let alone start first. Answer: Why not bring yourself a suite? There is a suite, and if you want to buy another suite, you have to pay half the cash and only bring you 50%. If you want to buy a third set of two suites, you should pay it in one lump sum.
Second, the ID card runs away with a loan from a relative.
This involves that if the loan of 40,000 yuan does not have your father's autograph, you can ignore it, wait for the bank, find a lawyer, or your own bank. If it doesn't have your father's autograph, you should be able to rule against the bank.
Third, Mianyang ID card loan runs away
After the loan runs away, it will have an impact on your credit information. After the loan runs away, the debtor is likely to become a credit user or an online loan user. If you become a credit loan user, it is impossible for the debtor to apply for mortgage and car loan in the past five years. If you become an online loan user, the debtor loses the right to obtain loans from the Internet.
4. Can Mianyang ID card be reissued online?
I can't. An ID card represents a person's identity information, which is confidential and cannot be disclosed. 70 residents of the public security household registration are strictly confidential and will not be published online. You must bring your household registration book and go to the public security household registration management office to reissue it. You can't reissue it online.