How can I settle down in Xi 'an and buy a house directly?

First, how can I settle down in Xi 'an and buy a house directly?

1. If you buy a house in Xi 'an, you don't need to settle down. If foreigners want to buy a house in Xi 'an, they must settle in this city for 1 year and pay social insurance or personal income tax for 12 months. Ex-servicemen and all kinds of talents approved for introduction are excluded.

2. Legal basis: Article 2 1 1 of the Civil Code of People's Republic of China (PRC).

When applying for registration, the parties concerned shall provide ownership certificate, property boundary, area and other necessary materials according to different registered items. The registration of real estate shall be handled by the registration agency where the real estate is located. The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.

2. How much is the down payment for buying a house in Xi 'an now?

1, the down payment ratio of the first home mortgage is 20%-30%, the down payment ratio of the second home mortgage is 50%-70%, and the implementation interest rate is the benchmark interest rate 1. 1 time. The down payment ratio will be different in different regions.

The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank.

2. Loan to buy a house, buy a new house and a second-hand house, and the calculation of loan down payment is very different. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans. Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property. Generally, the evaluation price of second-hand houses is lower than the market price. Appraisal prices are mostly 80%-90% of the market value of second-hand houses, and some houses will be lower.