Conditions for foreigners to buy a house in Nanning:
1. Non-local households without housing who can provide tax payment certificates or social insurance payment certificates accumulated in this city for more than 1 year can only buy 1 new houses (including newly-built commercial houses and second-hand houses) within the urban area of Nanning.
2. The required materials are as follows: household registration book, identity card, and real estate license issued by the real estate bureau where the household registration is located (whether there is real estate under the name of individuals and families). The above three materials are indispensable.
3. If you buy it with a loan, you need the following materials in addition to the above three materials: marriage certificate issued by the civil affairs department of the police station where your household registration is located, unmarried single certificate, divorced unmarried certificate, company certificate, and individual needs to copy the business license.
Nanning housing policy:
1, Nanning House Purchase Policy 20 17 has the following points: Households registered in this city (including buyers, spouses and minor children) who already own 1 house in this city can only buy a new set of commercial housing in this city; Households registered in this city who already own two or more houses in this city are not allowed to buy houses.
2. Non-resident families who own 1 set or more houses cannot provide proof of personal income tax or social insurance for more than three consecutive years in this city within five years before the date of purchase, and non-resident families who pay back the proof of personal income tax payment or social insurance payment are not allowed to buy houses.
2. What are the procedures for foreigners to borrow money to buy a house in Nanning?
Foreigners can borrow money to buy a house.
Loan process
(1) Select a property
If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
(2) Apply for mortgage loan
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
(3) sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) signing a house mortgage contract
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) Mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
(6) Open a special repayment account
After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract.
3. Can a foreign household registration buy a house in Nanning? What conditions need to be met?
As long as you have a one-year tax record in Nanning, you can borrow money to buy a house.
The required materials are as follows: household registration book, identity card, real estate certificate issued by the real estate bureau where the household registration is located (whether there is real estate under the name of individuals and families). All the above three materials must be available and indispensable.
If you buy it by loan, you need the following materials in addition to the above three materials: marriage certificate, unmarried certificate, single certificate, divorce certificate, company certificate issued by the civil affairs department of the local police station, and individuals need to copy their business licenses.
Main points of buying a house:
The first point: financial strength The financial pressure of buying a house in a first-tier city is basically unimaginable for white-collar workers who live on wages. Then, in the context of rising housing prices in second-and third-tier cities and even small cities, housing prices are also not cheap. Take Hunan as an example, the housing price in Changsha is basically close to 5,000 yuan per square meter, and it takes about 500,000 yuan to buy a house with a 100 square meter. Then in Yueyang, the lower floor, the house price is also 2000 yuan per square meter, 100 square meter house is very common.
Whether buying a house in full or in mortgage to buy a house, this kind of financial pressure is not easy for white-collar workers. After all, they spend a lot of money living in the city and don't have much money to balance. Don't lock up all your funds to buy a house, otherwise you will lose the room and space for financial turnover, which will have a negative impact on the quality of life and future career development.
The second point: career planning
Since buying a house is a personal event, it must be linked to personal career planning. Many white-collar workers choose to buy houses in different places because many people plan to develop in their own cities in the future, which is equivalent to laying a good foundation for life in advance. When white-collar workers buy a house in a different place, they must follow their own career development plan to see whether it conforms to the economic development characteristics of the city where they buy a house and buy a home, and whether there is room for career development in this city in the future.
If your specialty is difficult to find a good job in the local area and there is no good room for development, then there is no doubt that your real estate investment is inconsistent with your career development plan, and its value will naturally be greatly reduced.
The third point: off-site mortgage
Many white-collar workers choose the form of mortgage repayment when buying a house in a different place, which is the problem of mortgage in a different place. Many white-collar workers have a certain amount of housing provident fund, but the unit that pays it is the city where they work. As for whether you can mortgage in different places and how to use provident fund loans to buy a house, you need to consult the relevant real estate departments in order to use the provident fund reasonably. After all, the money can only be used to buy a house.
As for commercial bank loans, the approval of off-site loans is relatively strict. White-collar workers who buy houses in different places must be prepared to run as many banks as possible and choose reasonable mortgage banks and repayment methods.