1, if a foreign household purchases a house loan in Hangzhou, it must pay social insurance in Hangzhou for one year;
2. The applicant has a high school education or above;
3. 18 years old or above, with full capacity for civil conduct and no infectious diseases. With the migration of minor children's household registration, it is necessary to comply with the family planning policy;
4. The purchase price of non-Hangzhou urban household registration personnel complies with relevant regulations.
Materials for buying a house in Hangzhou with foreign household registration:
1, documents required for full house purchase, marriage certificate, ID card and household registration book for married couples. Single, ID card, household registration book, single certificate;
2. Documents required for buying a house by loan, copy of marriage certificate, household registration book, income certificate, company business license, official seal, salary card, ID card, spouse ID card, spouse household registration book and spouse marriage certificate.
The process of buying a house in Hangzhou with foreign household registration:
1. The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including the house ownership certificate, identity certificate and other documents;
2. If the house provided by the seller is legal and can be listed and traded, the buyer can pay the house purchase deposit and sign the house sales contract;
3. Both the buyer and the seller apply to the real estate transaction management department at the same time;
4. Contract. The real estate transaction management department shall, according to the property right status and the purchase object of the transaction house, report to the transaction department for approval step by step according to the approval authority set in advance, and both parties to the transaction may go through the formalities of signing the deed;
5. Pay taxes and fees. The composition of taxes and fees is more complicated, depending on the nature of the transaction house;
6. Go through the formalities of property right transfer and transfer. After the real estate transaction management department completes the registration of property right change, both parties to the transaction will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the house ownership certificate;
7. For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. The bank will issue a one-time loan within three working days after the two parties complete the registration change of property rights.
8. After the seller delivers the house and settles all the property fees, the house purchase and sale transactions of both parties are completed.
legal ground
Article 86 of the Measures for Housing Registration
To transfer the ownership of the house according to law and apply for the registration of the transfer of ownership of the house, the following materials shall be submitted:
(1) Application for registration;
(2) the identity certificate of the applicant;
(3) Certificate of ownership of the house;
(four) the certificate of the right to use the homestead or the certificate of the right to use the collectively owned construction land;
(five) materials to prove the transfer of housing ownership;
(6) Other necessary materials.