Legal subjectivity: The loan process for foreigners to buy a house in Wuhan is as follows: 1. When handling housing loans, foreigners only need to provide three more documents than locals when buying a house in Wuhan: temporary residence permit, contact person in this city and income certificate in this city. Others are the same as Wu. This is the same as a foreigner buying a house with a loan in Beijing. According to the relevant regulations of the central bank, foreign buyers must apply for temporary residence permits at the local police station before lending. After that, you need to provide the bank with ID card, household registration book, marriage certificate, badge, income certificate of this city, down payment invoice, temporary residence permit and contact person of this city. After the above information is fully prepared, you can receive the loan within 2 to 5 working days at the earliest. In the time of lending, foreigners and Tianjin locals are the same. In addition to the above materials, foreigners from agricultural registered permanent residence need a guarantor from Tianjin to buy a house in Tianjin. 2. As the interest rate of provident fund loans is much lower than that of commercial loans, more and more buyers tend to choose provident fund loans. Can foreigners who go to Wuhan to buy a house apply for provident fund loans? The relevant regulations are the same as those in Beijing, that is, you must first deposit the provident fund in the Tianjin Provident Fund Management Center and apply for a provident fund loan if you have a stable job in Tianjin. 3. The second home loan interest rate rises 10%. Since the central bank adjusted the second home loan policy last year, various places have raised the loan interest rate of the second home loan. In Tianjin, the interest rate for buying a second home with a loan went up 10. In order to reduce the loan burden of buying a house, banks in Wuhan have also launched some new mortgage products. For example, at present, fixed-rate loans can also be applied in Tianjin, and buyers can choose according to their own conditions.
Legal objectivity: Article 86 of the Measures for Housing Registration. If the ownership of the house is transferred according to law, the following materials shall be submitted to apply for the registration of the transfer of ownership of the house: (1) an application for registration; (2) the identity certificate of the applicant; (3) Certificate of ownership of the house; (four) the certificate of the right to use the homestead or the certificate of the right to use the collectively owned construction land; (five) materials to prove the transfer of housing ownership; (6) Other necessary materials. To apply for the registration of the transfer of ownership of villagers' housing, it shall also submit the certification materials of the rural collective economic organizations agreeing to the transfer. Where a rural collective economic organization applies for the registration of house ownership transfer, it shall also submit the certification materials approved by the villagers' meeting or authorized by the villagers' meeting and approved by the villagers' representative meeting.
Second, the 150 points reward Wuhan foreigners to buy a house. How should I deal with this situation? Ask experts for advice!
Now professionals are very busy, busy selling houses. Because I am not from Wuhan, I can only say that you can buy according to the policy. If you buy it according to the local house price, you can borrow money to buy it. Ask the local intermediary for advice. You can't handle this situation alone.
3. What conditions do Hubei people need to buy a house in Wuhan?
In recent years, Wuhan's economy has developed well. Many foreign students who went to university in Wuhan chose to work, buy a house and settle down in Wuhan after graduation. Let's summarize Wuhan's purchase policy, down payment, housing conditions, and purchase process. Everyone's concerns have been filtered out. In addition, questions such as how to determine the household registration in this city, whether the house is still within the scope of purchase restriction, and how to determine the qualification for buying a house jointly by two or more people were answered.
I. Restricted purchase area
Jiang 'an District, Jianghan District, Hekou District, Hanyang District, Wuchang District, Qingshan District, Hongshan District, Wuhan East Lake New Technology Development Zone, Wuhan Economic and Technological Development Zone (excluding Hannan), East Lake Eco-tourism Scenic Area, and parts of Dongxihu District, Jiangxia District and huangpi district.
Dongxihu District: gold and silver lake, Jinyintan and Wujiashan (east of Beijing-Zhuhai Expressway, south of Shanghai-Chengdu Expressway, west of Fuhe and Hongtu Road).
Jiangxia District: Zhifang, Miaoshan, Da Qiao and Qianlong Island (Jiangxia District/east of national highway KLOC-0/07 and north of Shanghai-Chengdu Expressway).
Huangpi district: Panlongcheng (east of Wuhan Outer Ring Expressway, south of Houhu, west of Daihuang Expressway and north of Fuhe River).
Second, the purchase restriction policy and the down payment for buying a house
(1) Household registration in this Municipality
1, the first suite
If you have no house or loan in Wuhan, you can buy a house in the restricted area, and the down payment ratio is not less than 30%.
2. Second Suite
Those who own 1 house in Wuhan (whether the loan is settled or not) can purchase houses in the restricted area, and the down payment ratio for the second house is not less than 50%, and the down payment ratio for non-ordinary houses (144 square meters or more) is not less than 70%.
3, two suites and above
If you own 2 or more houses in Wuhan, you may not buy houses in the restricted purchase area.
(2) Non-local household registration
1, purchase conditions
Provide proof of continuous payment of social insurance or personal income tax in Wuhan for two years (including two years) from the date of purchase.
2, the first suite
If you have no house or loan in Wuhan, you can buy a house in the restricted area, and the down payment ratio is not less than 30%.
3. Second Suite
If you already own 1 house or above in Wuhan, you may not buy a house in the restricted area.
Third, how to determine whether it is a household registration in this city?
① The family members of the purchaser are the purchaser himself, spouse and minor children. If one of the family members of the purchaser is registered in this city, it shall be deemed as registered in this city.
② If the purchaser holds the collective household registration in this city, the location of the issuing authority recorded in my ID card (excluding temporary id card) shall be used as the basis for judging whether it is the household registration in this city.
(3) If the purchaser holds a military officer's card, a soldier's card or a police officer's card (excluding the staff of the local public security organ), it shall be regarded as a resident of this Municipality in principle.
4. What information do foreigners need to submit when buying a house?
Submit social insurance and work unit certificates of provincial organs, enterprises and institutions.
Fifth, the process of buying a house
1, data validation
When buying a house, the buyer needs to provide the information of the buyer and family members to the developer, and the developer will report it to the housing management department for qualification verification.
2. Qualification verification
Developers check the qualifications of buyers in Wuhan commercial housing online signing and contract filing system. City real estate information center needs to feedback the query results within 48 hours after receiving the relevant information of the property buyers under investigation. During this period, the contract filing system will lock the houses purchased by buyers.
3. Online signing
If the purchase conditions are met, when the two parties formally sign the contract online, the buyer also needs to sign a letter of commitment, stating that the buyer has read the contents of the purchase restriction policy and is responsible for the authenticity of the information and payment methods provided by himself and his family members.
4. Contract filing
Developers need to go to the housing management department of the jurisdiction to handle the filing procedures of commercial housing contracts within 5 working days of online signing. The materials to be provided in this link include: contract filing report, complete paper contract, result notice, original letter of commitment, household registration book of the purchaser and family members, identity certificate, marital status certificate, and social security or personal income tax payment certificate.
5. Transaction management
Both parties to the transaction hold the letter of commitment and the notice of results to the housing transaction management department to apply for the transaction procedures of the stock house.
Answers of intransitive verbs to related questions
1. Is the house still built within the scope of purchase restriction?
If the family of the purchaser belongs to the object of house expropriation, and the number of houses that can be purchased is stipulated in the expropriation agreement, the contract shall be marked in the expropriation agreement for the record, and this part of the house is not within the scope of purchase restriction.
2, two or more people * * * with the purchase, how to identify the purchase qualification?
(1) * * * If the buyers are of the same household registration, one of them is not registered in this city and owns 1 house in this city, and the other is registered in this city and owns 2 houses in this city, which does not meet the provisions of the purchase restriction policy, and it is not allowed to purchase houses in the restricted area.
(2) * * * If the purchaser is not the same household, it shall be regarded as owning a house separately from the purchaser.
(3) When some people transfer property rights, they should also check the qualification of buying houses.
Fourth, how should the conditions for foreign hukou to buy a house in Wuhan be stipulated?
According to the enhanced purchase restriction issued by Wuhan at the end of 20 13,
The time limit for foreigners to purchase houses, social security or tax payment certificates is extended to 2 years.
At the same time, the audit of social security certificate, that is, tax payment certificate, has been strengthened.
The purchase restriction order is only for urban houses (commonly known as commercial houses), commercial hotels and other types of houses, which are not within the scope of purchase restriction.