1. Local tax payment certificate or social insurance payment certificate should be provided for foreigners to borrow money to buy a house 1 year or more. If they pay in full, they don't need to provide relevant certificates. 2. If non-Chongqing residents are unable to provide relevant certificates (tax payment certificate or social insurance payment certificate), commercial banks will suspend the issuance of housing loans. Therefore, Chongqing's purchase restriction order lies in "restricting loans". 3. It is understood that the procedure of raising the threshold for foreigners to purchase houses with Chongqing loans is not the second set. Banks need not only proof of tax payment and social insurance payment, but also proof of income and repayment ability to buy a house with loans from different places. Some large state-owned commercial banks will directly deal with customers who can't provide complete procedures according to the down payment of 50% for the second home loan and the interest rate floating 1. 1 times. In the face of foreign property buyers, most banks will first explain to customers that they may not apply for loans. If the customer insists on buying, the buyer and the seller need to sign a tripartite exemption contract, stating that if the loan is not approved, the agreement can be automatically terminated.
Second, what conditions do people need to buy a house in Chongqing, and are there any restrictions on foreigners buying a house in Chongqing?
Mortgage purchase procedures require local certificates of more than 65,438+0 years. Non-local residents who can't provide local tax payment certificate or social insurance payment certificate of 1 year or above apply for housing loans, and implement the housing loan credit policy, that is, down payment and
There are many kinds of houses, including provident fund loans and commercial loans. If the provident fund loan is just before the loan, you should know how much money is in your provident fund account and how much money the unit gives you every month. All I know is loans. If it is a commercial loan.
The procedures and processes of bank approval are different, but generally require the household registration certificate provided by the lender, the job certificate issued by the unit, the income certificate, the local temporary residence permit, the local fixed contact address and contact information. The bank will check the credit history of the lender and so on.
Third, what conditions do people need to buy a house in Chongqing, and are there any restrictions on foreigners buying a house in Chongqing?
Foreigners can buy a house in Chongqing without any restrictions. You can buy several sets whenever you buy them. Nevertheless, foreigners and Chongqing people still have some differences in details.
There are "three noes" restrictions for foreigners to buy a house in Chongqing. I don't know if you belong to the restricted "three noes" personnel.
The so-called "three noes" refers to non-Chongqing household registration and non-Chongqing identity card; Chongqing does not have its own company; If you only work in Chongqing but have to pay social security for more than half a year. If you have one of these items, you are not a "three noes" person. Buying a house is the same as buying a house in Chongqing.
Although Chongqing has not restricted anyone from buying a house in Chongqing so far, people with "three noes" can also buy a house in Chongqing, but there are two conditions:
First, the issue of loans. The "three noes" personnel can't get the housing loan support from the bank in Chongqing, and any bank will refuse the loan application of the "three noes" personnel in Chongqing for the purpose of buying a house. Here, I would like to remind the "three noes" people who buy houses in Chongqing. Many brokers who buy second-hand houses say that the "three noes" people can apply for loans, but this is not in line with the regulations and has great risks.
Therefore, if the broker in Chongqing says that you can apply for a loan to buy a house, you should assess the risk in advance. You signed the contract and paid the down payment. If the loan is not available at that time, the risk of buying a house will be great.
Second, pay property tax. Because Chongqing does not welcome people from other places to buy houses in Chongqing, the policy of buying houses is 20 17 10 14. Regardless of the size of the apartment and the total price, you have to pay property tax after buying it, from 10 1 to 65448 every year. It should be noted here that you have to pay it every year until you sell this suite to someone else.
Third, prepare in advance. If you live and work in Chongqing, but want to buy a house, but it belongs to "three noes" and you can't buy a house in full, what should I do about this problem?
Our usual practice is that you must be prepared six months in advance. For example, if you work in Chongqing, you should ask your company to pay social security for you. As long as you pay social security for half a year to one year (different districts), you can apply for a loan to buy a house, you can also move your household registration to Chongqing to obtain a household registration in Chongqing, and you can also apply for a mortgage loan.
It is relatively easy for people from other places to buy a house in Chongqing, but you have some details to do. Whether buying a second-hand house or a new house, we must clarify policies and regulations in advance to avoid problems in the middle of buying a house. After all, buying a house is a big deal.
This is my personal opinion, for reference only. You are welcome to leave a message below and express your views and opinions on this issue. You can also click on the attention to facilitate future communication.
What are the new policies for foreigners to buy a house in Chongqing?
Calculate how much it will cost to decorate your home. Nowadays, many people work in the field for a long time. In order to improve their living conditions, they will buy houses in other places. The policies for foreigners to buy houses are different from those for locals, so what are the new policies for foreigners to buy houses in Chongqing? Let's have a look! The new policy for foreigners to buy houses in Chongqing is 1. Foreigners who buy a house in Chongqing can enjoy the same preferential policies as locals if they buy a house in full. If you buy a house by loan, you need to provide proof that you have paid social security 1 year or more before you can apply for a house by loan. 2. The interest rate discount for the first suite can be applied for different discounts according to the personal credit information. Some first suites need a down payment of 30%, and the interest rate can be applied for a 10% discount. The down payment for the second suite is 40%, and the interest rate is raised 10%. What conditions do foreigners need to meet when buying a house in Chongqing 1? When foreigners borrow money to buy a house in Chongqing, they need to provide local tax payment certificates of more than 1 year and social security certificates of continuous payment. If they pay in full, they shouldn't provide it. 2. If you are not a Chongqing resident and cannot provide relevant certificates (tax payment certificate or social insurance certificate), the bank will suspend the issuance of housing loans. Therefore, Chongqing's purchase restriction order lies in "restricting loans". It is understood that the threshold for foreigners to borrow money to buy a house in Chongqing is relatively high. If the formalities are incomplete, it will be counted as the second suite. When a bank borrows money from a different place to buy a house, it must have proof of tax payment and social insurance payment, as well as proof of income and other materials. If foreigners can't provide complete procedures, some large state-owned commercial banks will directly handle the second home loan, with a down payment of 50% and an interest rate increase of 1. 1 times. In the face of foreign buyers, the bank will first explain the loan application conditions and other matters to the customers. If the customer insists on purchasing, it is necessary to sign a tripartite exemption contract, which states that the loan cannot be approved, and the agreement can be automatically terminated to avoid it. Bian Xiao concluded: The above is the new policy about foreigners buying houses in Chongqing. I hope it will help everyone! Foreigners need many conditions to buy a house in Chongqing. If you want to buy a house in Chongqing, you must be prepared in advance. Enter the area and get the decoration quotation for free.