What are the procedures for foreign hukou to buy a house in Lanzhou?

To buy a house in a different place, you need to provide local tax payment certificate or social insurance payment certificate 1 year or more. 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 be increased;

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.

The approval procedures and processes of each bank are different, but lenders are generally required to provide: household registration certificate provided by the public security organ where the household registration is located, 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.

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Convenient transportation makes it easier to live in different places, and home ownership in different places has become a new choice for many people to live or invest. But we should pay attention to avoid the risk of buying houses in different places.

The first is the 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.

The second is market risk. Market risk mainly refers to the investment risk caused by market supply and demand. Absolute low price is the key factor to attract most off-site buyers. What is the reason for the absolute low price? 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.

Third, the risk of asymmetric acquisition of real estate information, 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.

The fourth is the 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.

Baidu encyclopedia-buying a house in different places