If foreigners apply for a loan to buy a house, they also need to meet the loan requirements of the bank. For example, if you want to apply for a provident fund loan to buy a house, you need to pay the housing provident fund in full 1 year before you can apply. There is usually a quota limit for applying for provident fund loans. The maximum loan amount that a single employee can apply for is 500,000 yuan, the maximum loan amount that a double employee can apply for is 6,543,800 yuan+0,000 yuan, and the minimum loan amount is 200,000 yuan.
Buyers also need to have enough funds to pay the down payment. According to the relevant provisions of Xiamen's purchase restriction policy, there is no room and no loan record in this city, and the minimum down payment ratio is 30%; If there is no room and there is a mortgage record, the loan has been paid off, and the down payment ratio is 40%; No room, outstanding mortgage record, down payment ratio of 60%.
In addition, buyers also need to have a valid residence permit in Xiamen, the applicant's loan period cannot exceed 70 years old, and buyers have the ability to repay the principal and interest on time. When foreigners buy a house in Xiamen, they also need to know what the mortgage interest rate of Xiamen Bank is, whether there are interest rate preferential activities and so on.
Matters needing attention for foreigners to buy a house in Xiamen
1. Buy existing houses or quasi-existing houses as much as possible:
Buying an existing house or a quasi-existing house can avoid many risks, such as the height of the window sill, the height of the net, the unreasonable design of the balcony, the small house, the pipeline equipment layer, the rotten tail of the house, the harmful gas in the room, the structural change of the house, cracks and other surface quality problems.
2. Strive to sign the contract directly in one step:
No deposit, no subscription, etc. Otherwise, it is easy to be passive and restricted. You really need to pay a deposit, not too much. Although the deposit is generally refundable before signing a formal contract, don't bother yourself.
3. Sign a supplementary agreement:
According to the law, the developer's commitment in the loushu or advertisement is written into the supplementary agreement. If the developer does not agree to write, you can prepare a small tape recorder in advance to record the verbal commitment of the developer.
4. Sign the property management agreement:
When signing the contract, according to the law, a property management agreement was also signed to prevent the property management fee from changing (price increase, etc.). ) at check-in.
5. Sign a supplementary agreement or collective contract as detailed as possible;
The agreement stipulates how to bear the liability for breach of contract and whether to return a house or not. What are the expenses involved in checking out, and how to bear the liability for breach of contract if you don't check out? After signing the contract, many owners use other people's fonts except their own signatures, which is too passive.