Case study 1
Xiao Ming is a nonlocal registered permanent residence and went to university in Jinan. After graduation, I worked in Jinan and paid social security for more than a year. Now he plans to buy a house in Jinan. Xiao Ming's good friend Xiaohong, who also went to school in Jinan, graduated from 20 16 without social security, but paid personal income tax for more than two years, and now plans to buy a house in Jinan.
Q: Are Xiaoming and Xiaohong qualified to buy a house in Jinan?
A: Xiaoming and Xiaohong can buy a house in Jinan. Reason: 1. Jinan's purchase restriction policy is aimed at paying social security for more than half a year, and buyers who have a labor contract to work in Jinan can buy a house in Jinan; 2. You can buy a house in Jinan if you have a college degree in a foreign household and have paid social security or a tax for more than two years.
Case study 2
20 17 1 1 Xiaoming bought an apartment with a loan in Lixia District, Jinan, and is now repaying the loan. But considering the problems of getting married and having children go to school, Xiaoming plans to buy another apartment.
Q: Is Xiaoming buying a house the first suite or the second suite now?
A: Xiaoming now buys a house belonging to the first suite, according to the purchase policy of the first suite. Reason: The apartment is commercial in nature and will not affect the next residential loan.
Case study 3
At the beginning of 20 18, Xiaoming's parents bought Xiaoming a 90-square-meter wedding room in his hometown. First, the house prices in his hometown are low. Second, his parents hope that Xiaoming can go home to develop in the future.
Q: Xiaoming has a house. Is buying a house in Jinan the first suite?
A: If you buy a house in Jinan now, it will count as a second suite. Reason: According to Jinan's purchase restriction policy, the house is also recognized as a loan, and there is a house in the field with a loan record. Buying a house in Jinan is not the first suite, but the second suite in Jinan.
Case study 4
As mentioned earlier, Xiao Ming plans to buy a wedding room in Jinan at present, and plans to buy it with a provident fund loan. Although Xiaoming's object is Jinan hukou, there are already two sets of loan records under his name, one is bought locally and the other is from other places. The loan for buying a house locally has been paid off. This time, I plan to use the provident fund loan to buy a house with Xiaoming.
Q 1: Can I refinance if I have two loan records?
Answer 1: Loan cannot be selected. Reason: According to Jinan's housing purchase policy, you can't buy a house if you have two loan records. However, since a housing loan has been settled, it is ok to buy another house in Jinan, but you can't borrow it, you can only pay in full.
Q 2: Can I still be the same borrower with two loan records?
Answer 2: You can be a co-payer.
Q 3: Is it the first set to buy a house in Jinan for a local hukou in a foreign country?
A: Buying a house in Jinan counts as two suites. Reason: because the purchase restriction policy is to recognize the house and the loan.
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