People in Xi' an, foreign accounts now need to open social security certificates to buy a house. What should I do?

After the introduction of the new real estate policy, the threshold for foreigners to buy a house in Xi has increased. You can't buy a house without a tax payment certificate or social security certificate for more than one year. However, the reporter learned in an interview yesterday that foreigners who can't provide tax payment vouchers or social security certificates for more than one year can also borrow money to buy a house in Xi 'an, but according to the interest rate and down payment of the second suite.

Yesterday, the reporter consulted a number of banks as buyers and found that their policies for foreigners to buy houses with loans were different. "At present, loans can be given to people who buy a house in Xi 'an, but if they can't provide proof of tax payment and social security that they have worked in Xi 'an for more than one year, they can only be implemented according to more than two sets of mortgage policies. The down payment is 50%, and the interest rate is 1. 1 times the benchmark interest rate. " Bankers such as China Merchants Bank, Shanghai Pudong Development Bank and Huaxia said that foreign buyers without these two certificates will be implemented in accordance with the second home loan policy. Huaxia Bank staff said that this is to prevent real estate speculation, crack down on speculation, increase the cost of real estate speculation, and prevent real estate speculators from buying houses in different places on a large scale. "If foreign buyers can produce any 12 months of social security and tax payment certificates, they can enjoy the same first home loan policy as local accounts.

However, some banks still refuse to lend to foreigners who cannot provide tax payment certificates and social security certificates. The staff of the personal loan department of the Agricultural Bank of China said that the mortgage policy has been in a state of tightening. At present, local borrowers are waiting in line. Foreign property buyers can't get loans if they can't provide these two certificates. The staff of the personal loan department of a branch of China Bank also said that foreign buyers who cannot provide two certificates cannot apply for housing loans.

Why do banks have inconsistent loan policies for foreigners to buy houses? According to industry analysts, on April 17, the State Council issued the Notice on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities. Although it was clearly stated that "non-local residents who cannot provide local tax payment certificates or social insurance payment certificates for more than 1 year will be suspended from issuing housing loans", in the regulations of the Ministry of Housing and Urban-Rural Development and other three ministries and commissions issued in June, local/kloc-0 can be provided for first-time housing purchases.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.