Foreigners holding one-year temporary residence permits in Fuzhou can apply for housing loans.
As the central bank reiterated the strict implementation of differentiated mortgages, the reporter learned yesterday that the second-home loan policy of commercial banks in Fuzhou has been comprehensive and strict. At present, the "loan recognition of housing" is mainly implemented through the issuance of housing quantity certificates by Fuzhou Housing Management Bureau. If the buyers of Banyan Tree are registered in other places (except five districts and eight counties), they must also provide proof that they have lived in Banyan Tree for one year. Otherwise, even if they buy the first suite, they must implement the second home loan policy.
It is reported that in June this year, some banks in Fuzhou, such as Xingye, China Merchants Bank and Minsheng, implemented the second-home loan policy of "recognizing loans and houses". At the end of July, the four major state-owned banks began to implement "loan recognition and housing recognition" in Rong Branch, and Bank of Communications and Straits Bank followed suit. Until yesterday, CITIC Bank, which only recognized the second home loan for "loan identification", also fully implemented the identification method of "loan identification and housing identification", and the second home loan policy has been comprehensive and strict.
It is understood that residents who are currently in Fuzhou and have Fuzhou hukou are ready to buy a house and need to apply for a mortgage loan from the bank. In addition to checking whether the customers of the credit information system have loan records, the bank will also require customers to issue certificates of the number of houses under their names to the Fuzhou Housing Management Department. If it is a customer who comes from other places to buy a house in Rong, he must also provide the bank with proof of living in Rong for more than one year, including proof of tax payment or social insurance payment for more than one year. If it cannot be provided, the second home loan policy will be implemented.
Some bankers believe that the above restrictions on foreign buyers can effectively curb real estate speculators' real estate speculation, but it may also "accidentally hurt" the housing needs of a few migrant workers with low incomes and lack of social security and tax payment certificates. At present, even if these people buy the first suite in Rong, they will face the possibility of down payment and interest rate rising brought by the second suite policy. However, some bankers believe that Fuzhou's mortgage policy has been relatively mild compared with the "suspension of loans" of banks in Beijing, Shanghai, Shenzhen and Hangzhou.
Second, the loan to buy a house should pay attention to matters
For foreigners in Fuzhou, what specific matters should be paid attention to when they want to buy a house loan? After the introduction of the new policy, there are restrictions on housing loans for foreigners in Fuzhou. There was no restriction before, but now you can buy it after paying social security 1-2 years. Therefore, the application conditions for housing loans from foreigners in Fuzhou have changed!
If your account has not been transferred back to school, you can buy it in your name, and your parents can be your co-sponsors or guarantors. You need to show your ID card, the original household registration book and the income certificate of your company. If you are unmarried, you need to provide a single certificate, and parents need to provide a marriage certificate. If necessary, the bank may ask you to provide some financial certificates or bank accounts.
Relatively speaking, installment payment is more conducive to property buyers, especially for Wuhan, which mainly sells faster houses. Property buyers can pay the house price to the developer several times according to the progress of the project image, and then pay the final payment until their commercial houses are qualified, which is fair to both buyers and sellers.
Take this payment method, I suggest you should also grasp the following points:
1. It is recommended to pay by installment for the purchase of the forward house. When the buyer pays the down payment, he signs a formal house sales contract with the developer. When the house is delivered for use, he pays all the house price and handles the transfer of property rights.
2. Installment payment for existing houses. It is suggested that the house should be handed over and paid at the same time, and the house should be handed over first and then paid in cash.
Compared with one-time payment, installment payment has the disadvantage of high interest rate, so the sum of house payment will be higher than one-time payment. However, it can reduce the cost of capital. If compared with inflation, personal income growth rate and ability to pay, installment payment is more cost-effective for buyers.
What conditions do foreigners need to buy a house in Fuzhou? The above article has given the answer. To buy a house in Fuzhou, you can refer to the above introduction, or you can go to the local authorities to do some detailed consultation.