Xi' an foreign household registration qualification requirements

The condition for foreigners to buy a house in Xi 'an is to have a stable job and pay social security for one year. For non-local households with 1 set or more houses, the sale of houses in the main city of this city will be suspended if they cannot provide tax payment certificates or social insurance payment certificates of 1 year or more.

What is the down payment ratio of buying a house in Xi 'an?

For families without housing in our city who apply for commercial personal housing loans for the first time to buy housing, the down payment ratio shall not be less than 30%. For households that already own 1 apartment, if they apply for commercial personal housing loans to buy ordinary housing again, the down payment ratio shall not be less than 40%; For the purchase of non-ordinary housing, the down payment ratio shall not be less than 50%. Commercial personal housing loans will be suspended for households that purchase third or above houses.

The minimum down payment ratio is 25% if the paid employee family uses the housing provident fund loan for the first time to purchase ordinary housing; The minimum down payment ratio for purchasing non-ordinary housing is 30%. After settling the first housing provident fund loan, if you apply for using the housing provident fund loan to buy ordinary housing again, the minimum down payment ratio is 30%; The minimum down payment ratio for purchasing non-ordinary housing is 35%.

What are the conditions and information for applying for a commercial loan?

1. Conditions to be met in applying for commercial loans

Borrower 18 years old or above; The applicant's age loan period does not exceed 70 years old; There is a down payment for buying a house; Have a stable job, and the salary is more than twice the monthly repayment; Need to provide proof of income; No bad credit record.

2. Information to be provided when applying for commercial loans

Original and photocopy of the purchase contract and down payment invoice; Original and photocopy of the applicant's (and spouse's) household registration book; Original and photocopy of marriage certificate (divorce certificate); Unmarried persons provide their own unmarried statement (bank text); Income certificate with official seal or personnel department seal (bank text); A copy of the business license with annual inspection and official seal; Proof of educational experience; Personal credit report, etc.

legal ground

Notice on Further Improving the Regulation of the Real Estate Market Article 6

Reasonably guide housing demand

Municipalities directly under the central government, cities with separate plans, provincial capitals and cities with excessively high housing prices and rising too fast should strictly formulate and implement housing purchase restriction measures within a certain period of time. 1 Housing (including newly-built commercial housing and second-hand housing) is in principle limited to local registered households and non-local registered households that can provide local tax payment certificates or social insurance payment certificates for a certain number of years; For local registered households with two or more houses, non-local registered households with/kloc-0 houses, and non-local registered households that cannot provide local tax payment certificates or social insurance payment certificates for a certain number of years, it is necessary to suspend the sale of houses within their administrative areas.

Cities that have taken measures to restrict the purchase of housing, which are inconsistent with the requirements of this notice, should immediately adjust and improve the relevant implementation rules, strengthen the audit of the qualifications of buyers, and ensure that the policies are in place. Municipalities directly under the central government, cities with separate plans, provincial capitals and cities with high housing prices and rising too fast should introduce detailed rules for the implementation of housing purchase restriction before mid-February. Other cities should also introduce housing purchase restrictions in a timely manner according to the new situation of the local real estate market.