Procedures for foreigners to buy a house loan. 1. The borrower shall fill in the application form for personal housing loan from the bank and provide relevant information. Information includes: resident identity card or other valid documents; Proof of the borrower's economic income or solvency; A contract or agreement to buy a house, etc. The relevant information provided by the borrower to the bank must have the original and three copies.
2. The lending bank shall review and evaluate the authenticity, legality and feasibility of all documents and materials submitted by the borrower, and give the applicant a reply within the specified working days (the number of working days for reply varies from bank to bank).
3. After the lender agrees to the loan, the borrower signs a loan contract with the borrower, and goes through the guarantee procedures such as pledge contract, mortgage contract or guarantee contract according to the loan guarantee method.
4. After the loan contract is signed, the lender must go through other procedures such as insurance, mortgage registration, contract notarization, etc. according to national laws and regulations and relevant bank regulations.
5. The borrower and the borrower shall determine the loan amount and term according to the loan contract. The maximum amount of commercial loans for individual housing shall not exceed 70% of the value of the purchased housing, and the longest loan period shall not exceed 30 years.
6. After the approval of the bank, the loan will be issued. The borrower opens an account in the bank and pays the down payment (generally 30%) for the house purchase. The house purchase agreement takes effect and the borrower begins to repay the principal and interest on schedule.
Foreigners apply for self-occupied commercial housing in Jinchang.
1, register. The Municipal Housing Construction Committee is responsible for guiding and supervising the sales management of all self-occupied commercial housing, and the online and on-site work should be divided according to their responsibilities. The developer of Jinchang will make a public announcement on the website of the Municipal Commission of Housing and Urban-Rural Development for no less than 15 days before handling the pre-sale permit of self-occupied commercial housing or the filing procedures of existing home sales.
2. verification. The results will be given within 20 working days, and the results of whether the materials have passed the audit can be obtained within 20 working days after Jinchang citizens submit the materials. Only applicants who have passed the qualification examination of house purchase can participate in the lottery.
3. shake the number. After Jinchang's system lottery starts, the candidates in the two lottery pools will line up separately, and then the developer will inform the house selection in turn. Similar to the license plate lottery system, before the lottery, families waiting for property-based affordable housing and non-local households automatically enter the priority pool, and other eligible people enter the ordinary lottery pool.
4. Choose a house. According to the order determined by the lottery, the families in the pool are given priority to choose houses first, and the developers in Jinchang sign the purchase contract with the families who buy houses. Family members who purchase houses may not apply for the purchase of self-occupied commercial housing in the future. Belong to the waiting list of affordable housing, price-limited commercial housing families, and automatically give up the waiting qualification. Moreover, each applicant family can only choose one set of self-occupied commercial housing and then sign a contract.