1. The borrower must be a local resident or a foreign buyer with civil capacity at the age of 18-65 (the foreign buyer must provide a tax payment certificate or social insurance payment certificate that has been operating in the local area for more than 1 year).
2. The down payment ratio of the first home loan is 40%, the down payment ratio of the second home loan is 60%, and the policy of the third and above mortgage banks does not accept buyers.
3. Debt ratio (monthly mortgage repayment+other loans) < = 50% of the monthly income of both husband and wife.
4. The credit report shows that the loan is overdue for three consecutive times, with a total of six times. In principle, no loans will be issued.
According to relevant policies and regulations:
1. Foreign buyers can apply for permanent residence in Wuhan as long as the area reaches 120 square meters or the price is more than 300,000 yuan, including the buyers themselves, spouses and children.
2. Buyers should first complete the real estate license and land certificate before opening an account. Citizens with foreign hukou need to get an application form from the Household Affairs Office of Wuhan Public Security Bureau before they can move into the local area.
After the window of the household registration authority accepts the application form and all the above materials and meets the requirements, it will issue the "Certificate of Permission to Move in", and the buyers will go through the formalities of moving in registered permanent residence with the "Certificate of Permission to Move in". ?
The following materials should be prepared when receiving the form: real estate license, land certificate, resident ID card, purchase invoice, purchase contract, marriage certificate, etc.
After receiving the form, citizens also need to prepare the following related materials: the actual occupancy certificate issued by the property management department of the purchased house community, and the household registration certificate of the original household registration police station.
If you don't know the specific purchase process, you can consult the real estate company for relevant information.
Extended data:
At present, buying a house in the main city of Wuhan needs to pay social security for two consecutive years. If there is no social security, it is recommended to consider remote urban areas, such as Dongxihu District, Jiangxia and Caidian.
In order to save trouble, it is best to move the account. If you buy a second-hand house, you can't move your account. If you buy a commercial house, you can move your account.
References:
China Daily Net-Wuhan non-local registered college students can buy a house with a room ticket and enjoy a 20% discount.