The purchase restriction order issued by Xi' an stipulates that non-Xi' an household registration must provide tax payment certificate or social security certificate for more than one year in Xi' an to buy a house in Xi' an, and a set of commercial housing is restricted. If you can't provide this certificate, or you already have a property in Xi 'an, you can't buy a house in Xi 'an. Foreign buyers in Xi 'an must meet the above conditions before they can buy a house in Xi 'an.
Foreign registered permanent residence buying a house in Xi 'an, no matter what payment method, must provide tax payment certificate or social security certificate that has been in Xi 'an for more than one year. Only those who meet the above conditions can apply for loans, and foreigners must also meet the following conditions when buying a house with a loan in Xi: having a down payment for buying a house; Have a stable job and the monthly salary is more than twice the monthly repayment amount, and need to provide proof of income; There was no bad credit record in the past.
If housing mortgage loan is used, the specific loan process and requirements are as follows:
Conditions for foreigners to buy a house in An 1 Before applying for a loan, the borrower needs to find out whether the purchased building has a letter of commitment issued by the bank to provide personal housing mortgage loans. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank;
Conditions for foreigners to buy a house in Xi 'an II. Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form;
Conditions for foreigners to buy a house in Xi 'an 3 loan bank: loan officers review all materials and documents submitted by loan applicants and approve them step by step;
Conditions for foreigners to buy a house in Xi. The loan bank takes back the completed materials and issues loans according to the legally effective loan contract;
Conditions for foreigners to buy a house in Xi. Housing management department: handle the registration procedures of real estate mortgage;
Conditions for foreigners to buy a house in Xi' an 6 inform the developer to get back the loan contract and the developer will issue a certificate to the loan bank to pay off the house payment;
Conditions for foreigners to buy a house in Xi. Notify the borrower to get back the loan contract, iou and insurance policy;
Conditions for foreigners to buy a house in Xi' an 8 The loan officer of the loan bank will file the loan file. You can also consult the items you want to buy and the bank that handles the mortgage loan.
It should be reminded that most banks provide the business of changing the repayment method of mortgage loans, and at the same time provide the combination method of repayment. If you find that the current mortgage repayment method is not suitable, you should consult professionals and choose a suitable combination to make changes, so as not to hurt your credit or make the burden and pressure too great.
In addition, if the purchaser pays the provident fund in Xi 'an, he can also apply for a provident fund loan from the work unit. Before applying for a provident fund loan, check how much money is in your provident fund account and how much money the unit sends you every month. Only by knowing your own situation can you get a loan.
The success of the loan has become another threshold for many foreign buyers in Xi 'an. Only by meeting the above conditions and following the procedures can we gradually realize the goal of buying a house in Xi 'an.
(The above answers were published on 20 15-06-29. Please refer to the actual situation for the current purchase policy. )
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