Can a nonlocal hukou buy a house in Nanning? What conditions need to be met?

As long as you have a one-year tax record in Nanning, you can borrow money to buy a house.

The required procedures are as follows:

1. A local tax payment certificate or social insurance payment certificate of more than 1 year is required in the procedure of buying a house in a different place by mortgage.

2. If non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more apply for housing loans, the lender will implement the second (or above) differentiated housing credit policy, that is, the down payment and loan interest rate may increase;

There are many kinds of loans to buy a house, 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.

Only by knowing your own situation can you get a loan. If it is a commercial loan, it is necessary to measure financial ability.

Lenders need to provide materials to the bank:

Household registration certificate provided by the local public security organ, job certificate issued by the unit, income certificate, local temporary residence permit, local fixed contact address and contact information. The bank will check the credit history of the lender and so on.

Extended data

Risk avoidance of buying a house in a different place

House price risk

The target cities for buying houses in different places are generally second-and third-tier cities. The situation of these cities is different from that of large and medium-sized coastal cities such as Shenzhen, and many of them do not have the conditions for a sudden rise in house prices. At the same time, these city governments have a large amount of land reserves, so they have a lot of room for manoeuvre in regulating the contradiction between supply and demand. If they hope to gain investment income in a short time, they are likely to fail.

2. Market risk

Market risk mainly refers to the investment risk caused by market supply and demand. Low price is the key factor to attract most off-site buyers. In fact, most residents in second-and third-tier cities have limited income and weak consumption power, so it is difficult to bear higher housing expenditure.

The degree of commercialization of housing is not high, and residents generally have their own housing; The foreign population is limited and the rental market is weak; The intensity of urban demolition is limited, so it is difficult to form a passive demand for real estate development like Shanghai; The urban economic capacity is insufficient, and it is difficult to form the basic support for the prosperity of commercial real estate. These are determined by the development of the local real estate market and the level of economic development, and it is impossible to make substantial changes in a short time.

3. The risk of real estate information asymmetry

Lack of necessary understanding of local customs and buying habits in different places. Because they don't know the situation, many property buyers rely too much on the advertisements and self-introduction of developers and can't fully grasp the information of real estate projects.

Therefore, we must investigate the credit standing of developers, check the legal ownership of the shopping industry, understand the local purchase procedures, mortgage term, taxes and fees to be paid, and consult local real estate lawyers or real estate departments to avoid unnecessary troubles and losses such as time and energy consumption after disputes.

4. Management risk after buying a house

For buyers from different places, it is very important to inspect the property management of residential quarters. At present, most people who buy houses mainly take vacations and provide for the elderly, so the property management in this community plays a vital role in the maintenance, preservation and appreciation of residential products and the guarantee of residents' quality of life.

References:

China Economic Net-Nanning real estate industry implements "red blacklist" system.