What are the requirements for a mortgage loan to buy a house in Zhuhai?

1. What are the requirements for a mortgage loan to buy a house in Zhuhai?

Non-local accounts need to provide social security or tax payment certificates for more than one year before they can borrow money to buy a house. In addition, they also need to provide ID cards, household registration books, bank accounts, income certificates and marriage certificates. I hope I can help you. The above contents are for reference only.

2. What are the conditions for buying a house mortgage loan in Zhuhai?

If you choose bank mortgage repayment, you must meet the following conditions:

1, a domestic person who has reached the age of 18 and has full capacity for civil conduct;

2. If you are under the age of 18 and still need to apply for a loan, the bank will review whether to grant the loan;

3. The sum of age and mortgage period shall not exceed 60 for men and 55 for women (specific matters shall be subject to confirmation by relevant banks);

4. Have a stable and legal occupation and income source, and the monthly payment cannot exceed 50% of the monthly income.

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3. What are the conditions for buying a house mortgage loan in Zhuhai?

Has paid more than 30% of the total price of the first set of housing;

Have a good credit record;

The borrower has legal status;

Have a stable income source and publishing house.

Other conditions stipulated by the lending bank.

4. What are the latest conditions for Zhuhai to apply for public rental housing?

First, low-income families with housing difficulties

Application conditions:

Low-income families with housing difficulties whose per capita income is lower than the urban minimum living standard 150% shall meet the following conditions when applying for public rental housing (rental housing subsidies, shiwupeizu or lease renewal):

1. The applicant and the co-applicant should have the urban household registration in this city and have actually lived for more than 3 years (the applicant has the household registration in this city for more than 3 years); If the applicant's spouse is not registered in this city (residence permit is required) but works or lives in this city, it shall be regarded as a joint applicant;

2. The per capita living area of households or families without housing in this city is less than 15 square meters;

3. The applicant and the co-applicant have no motor vehicles, except motor vehicles for the disabled;

4. The applicant and the co-applicant have not sold the property within 5 years before the date of acceptance of the application;

5. The per capita assets of the family shall not exceed 6,543,800 yuan.

In accordance with the provisions of the preceding paragraph, single residents over the age of 35 can apply for public rental housing separately; Orphans who have reached the age of 18 may apply independently if they meet the provisions of the preceding paragraph.

Submit information:

The applicant will prepare sufficient materials and submit them to the town people's government and sub-district offices. Fill in the "Zhuhai Public Rental Housing Security Application Registration Form" truthfully, and apply for rental housing subsidies, Shiwupeizu or renewal, you must provide the following materials:

1. Copy of the ID card and household registration book of the applicant and co-applicant (original for future reference); The co-applicant is a non-registered population in this city (residence permit is not required for household registration in other jurisdictions other than the acceptance place of this city), and a copy of residence permit at the acceptance place (the original is for future reference) is required;

2. Both the applicant and the co-applicant shall submit the employer's income certificate, tax declaration list and social insurance deduction record list for 12 months before the application date issued by the local tax department where the work unit is located. If there is no work unit or unemployment, the local tax department shall issue a tax-free declaration and a social insurance withholding certificate;

3. If there is no work unit or unemployment, it is necessary to provide the employment and entrepreneurship certificate or employment and unemployment registration certificate issued by the human resources and social security department within the validity period before the application date, work recommendation and a list of social insurance payment records for 12 months;

4 to receive the minimum living allowance, provide the "minimum living allowance certificate" issued by the civil affairs department within the validity period;

5. If the applicant or co-applicant reaches retirement age and receives a pension, it shall submit the pension certificate issued by the social insurance agency. If there is no pension, the social insurance agency will issue a certificate of no pension (note: family income includes wage income and net operating income after deducting the personal income tax paid by the applicant and the co-applicant and the social insurance and housing provident fund expenses paid by the individual. Pensions, subsidies, preferential payments and nursing fees enjoyed by the entitled groups in accordance with state regulations; Family planning incentives, education awards (help) scholarships, courageous and other incentives and subsidies; Special assistance for families whose only child died or was disabled. , not included in the family income in the access review);

6. If the applicant or co-applicant is a special care object, a lonely, old, sick and disabled person or a courageous person, it is necessary to provide the identification materials of the civil affairs department and relevant departments. Is a major disease, the need to provide more than two (including two) hospital diagnosis and hospitalization certificate and other related documents;

7. Applicants and co-applicants are required to submit proof of marital status, and married persons are required to provide marriage certificates; At present, single people need to provide a single resident commitment letter (divorce certificate, divorce agreement or copy of judgment (ruling) book). Divorced people must provide it. Children are raised by men or women, but in real life, they are raised by women or men, and they need to be certified by the neighborhood Committee after investigation; Widowed must provide a certificate issued by the local police station or relevant departments);

8. The applicant (non-co-applicant or other personnel) is a copy of China Construction Bank passbook or CCB savings.

Second, other low-income families with housing difficulties.

Application conditions:

1. The applicant has a household registration in this city and has actually lived in this city for more than 3 years (the applicant has a household registration in this city for more than 3 years), and the co-applicant can be a non-resident population in this city (non-resident population in this city refers to foreign household registration personnel who actually live in this city and have applied for a residence permit in this city);

2. The per capita income of the family is lower than 60% of the per capita disposable income of urban residents in this Municipality in the previous year;

3. The per capita living area of households or families without houses in this city is less than 15 square meters;

4. The applicant and the co-applicant have no motor vehicles, except motor vehicles for the disabled;

5. The applicant and the co-applicant have not sold the property within 5 years before the date of acceptance of the application;

6. The per capita assets of the family shall not exceed 6,543,800 yuan+0.5 million yuan.

In accordance with the provisions of the preceding paragraph, single residents over the age of 30 can apply for public rental housing separately; Orphans who have reached the age of 18 may apply independently if they meet the provisions of the preceding paragraph.

Submit information:

The applicant will prepare sufficient materials and submit them to the town people's government and sub-district offices. Fill in the "Zhuhai Public Rental Housing Security Application Registration Form" truthfully, and apply for rental housing subsidies, Shiwupeizu or renewal, you must provide the following materials:

1. Copy of the ID card and household registration book of the applicant and co-applicant (original for future reference); The co-applicant is a non-registered population in this city (residence permit is not required for household registration in other jurisdictions other than the acceptance place of this city), and a copy of residence permit at the acceptance place (the original is for future reference) is required;

2. Both the applicant and the co-applicant shall submit the employer's income certificate, tax declaration list and social insurance deduction record list for 12 months before the application date issued by the local tax department where the work unit is located. If there is no work unit or unemployment, the local tax department shall issue a tax-free declaration and a social insurance withholding certificate;

3. If there is no work unit or unemployment, it is necessary to provide the employment and entrepreneurship certificate or employment and unemployment registration certificate issued by the human resources and social security department within the validity period before the application date, work recommendation and a list of social insurance payment records for 12 months;

4 to receive the minimum living allowance, provide the "minimum living allowance certificate" issued by the civil affairs department within the validity period;

5. If the applicant or co-applicant reaches retirement age and receives a pension, it shall submit the pension certificate issued by the social insurance agency. If there is no pension, the social insurance agency will issue a certificate of no pension (note: family income includes wage income and net operating income after deducting the personal income tax paid by the applicant and the co-applicant and the social insurance and housing provident fund expenses paid by the individual. Pensions, subsidies, preferential payments and nursing fees enjoyed by the entitled groups in accordance with state regulations; Family planning incentives, education awards (help) scholarships, courageous and other incentives and subsidies; Special assistance for families whose only child died or was disabled. , not included in the family income in the access review);

6. If the applicant or co-applicant is a special care object, a lonely, old, sick and disabled person or a courageous person, it is necessary to provide the identification materials of the civil affairs department and relevant departments. Is a major disease, the need to provide more than two (including two) hospital diagnosis and hospitalization certificate and other related documents;

7. Applicants and co-applicants are required to submit proof of marital status, and married persons are required to provide marriage certificates; At present, single people need to provide a single resident commitment letter (divorce certificate, divorce agreement or copy of judgment (ruling) book). Divorced people must provide it. Children are raised by men or women, but in real life, they are raised by women or men, and they need to be certified by the neighborhood Committee after investigation; Widowed must provide a certificate issued by the local police station or relevant departments);

8. The applicant (non-co-applicant or other personnel) is a copy of China Construction Bank passbook or CCB savings.

The third is the family population with housing difficulties.

Application conditions:

Do not meet the conditions of low-income families and other low-income families, but families with housing difficulties with urban household registration in this Municipality shall meet the following conditions when applying for public rental housing:

1. The applicant has urban household registration in this city and has actually lived for more than 3 years, and the co-applicant can be a permanent resident who is not registered in this city;

2. The per capita living area of households or families without housing in this city is less than 15 square meters;

3. The applicant and the co-applicant have not sold the property within 5 years before the date of acceptance of the application. Except as stipulated in Article 24 of the Administrative Measures.

In accordance with the provisions of the preceding paragraph, single residents over the age of 30 can apply for public rental housing separately; Orphans who have reached the age of 18 may apply independently if they meet the provisions of the preceding paragraph.

In accordance with the provisions of the preceding paragraph, parents who take refuge in their children's household registration and move into this city may not apply separately.

Submit information:

The applicant will prepare sufficient materials and submit them to the town people's government and sub-district offices. Fill in the "Zhuhai Public Rental Housing Security Application Registration Form" truthfully, and provide the following materials when applying for public rental housing physical distribution or renewal:

1. Copy of the ID card and household registration book of the applicant and co-applicant (original for future reference); The co-applicant is a non-registered population in this city (residence permit is not required for those registered in other jurisdictions other than the acceptance place of this city), and a copy of residence permit in the acceptance place is required (the original is for future reference).

2. Applicants and co-applicants are required to submit proof of marital status, and married persons are required to provide marriage certificates; At present, single people need to provide a single resident commitment letter (divorce certificate, divorce agreement or copy of judgment (ruling) book). Divorced people must provide it. Children are raised by men or women, but in real life, they are raised by women or men, and they need to be certified by the neighborhood Committee after investigation; Widowed must provide a certificate issued by the local police station or relevant departments).

3. If the applicant or co-applicant is a special care object, a lonely, old, sick and disabled person or a courageous person, it is necessary to provide the identification materials of the civil affairs department and relevant departments. Is a major disease, need to provide more than two (including two) hospital diagnosis and hospitalization certificate and other related documents.

Fourth, newly employed workers.

Application conditions:

1. with technical secondary school education or above, and less than 5 years after graduation;

2. Have urban household registration in this city and have worked in this city for 1 year or more;

3. Sign a labor contract with the employer in this Municipality with the employment period exceeding 1 year;

4. The per capita living area of households or families without houses in this city is less than 15 square meters;

5. No real estate for sale within 5 years before the date of acceptance of the application.

Remarks: The academic qualifications and entry time of new employees are determined by the last full-time academic qualifications and graduation time.

Submit information:

The applicant will prepare sufficient materials and submit them to the town people's government and sub-district offices. Fill in the "Zhuhai Public Rental Housing Security Application Registration Form" truthfully, and provide the following materials when applying for public rental housing physical distribution or renewal:

1. Copy of the ID card and household registration book of the applicant and co-applicant (original for future reference);

2. A copy of the labor contract signed by the applicant and the employer in this Municipality with a term of over 1 year (the original is for future reference);

3. The applicant's secondary school diploma and a copy of the diploma (the original is for future reference);

4. If the applicant or co-applicant is a special care object, a lonely, old, sick and disabled person or a courageous person, it is necessary to provide the identification materials of the civil affairs department and relevant departments. Is a major disease, the need to provide more than two (including two) hospital diagnosis and hospitalization certificate and other related documents;

5. Applicants and co-applicants are required to submit proof of marital status, and married persons are required to provide marriage certificates; At present, single people need to provide a single resident commitment letter (divorce certificate, divorce agreement or copy of judgment (ruling) book). Divorced people must provide it. Children are raised by men or women, but in real life, they are raised by women or men, and they need to be certified by the neighborhood Committee after investigation; Widowed must provide a certificate issued by the local police station or relevant departments).

Verb (abbreviation of verb) migrant workers

Application conditions:

With technical secondary school education or above, less than 5 years after graduation; Obtaining a certificate of professional qualification for senior workers; Migrant workers who have obtained one of the first, second and third grade evaluation certificates through the evaluation of enterprise skilled talents in Zhuhai City and meet the following conditions can choose to apply for public rental housing publicly allocated by the government, and are not restricted by the second paragraph of Article 28 of the Measures for the Administration of Enterprise Construction of Staff Apartments and Dormitories:

1. has signed a labor contract with the employer in this city with the employment term of 1 year or more, and paid social security in this city;

2. The per capita living area of households or families without housing in this city is less than 15 square meters;

3. There is no real estate for sale within 5 years before the date of application acceptance.

Submit information:

The applicant will prepare sufficient materials and submit them to the town people's government and sub-district offices. Fill in the "Zhuhai Public Rental Housing Security Application Registration Form" truthfully, and provide the following materials when applying for public rental housing physical distribution or renewal:

1. Copy of the ID card and household registration book of the applicant and co-applicant (original for future reference); The applicant's technical secondary school diploma and a copy of the diploma (original for future reference); Copy of the professional qualification certificate of senior engineer (original for future reference); Copy of Grade I, II and III Evaluation Certificate for Enterprise Skilled Talents in Zhuhai (original for future reference);

2. A copy of the labor contract signed by the applicant and the employer in this Municipality (the original is for future reference) and the social security payment certificate have been employed in this Municipality for more than 1 year.

3. If the applicant or co-applicant is a special care object, a lonely, old, sick and disabled person or a courageous person, it is necessary to provide the identification materials of the civil affairs department and relevant departments. Is a major disease, the need to provide more than two (including two) hospital diagnosis and hospitalization certificate and other related documents;

4. Applicants and co-applicants are required to submit proof of marital status, and married persons are required to provide marriage certificates; At present, single people need to provide a single resident commitment letter (divorce certificate, divorce agreement or copy of judgment (ruling) book). Divorced people must provide it. Children are raised by men or women, but in real life, they are raised by women or men, and they need to be certified by the neighborhood Committee after investigation; Widowed must provide a certificate issued by the local police station or relevant departments).

An expert in intransitive verbs

Application conditions:

Professionals applying for public rental housing shall meet the following conditions:

1. Senior managers of high-tech enterprises (high-end manufacturing, high-tech) with intermediate titles or above or technicians' qualifications, or enterprises with a certain investment scale and above recognized by relevant government departments;

2. Work in this city for more than 1 year, and sign a labor contract with the employer in this city for more than 1 year;

3. There are no households in this city, and the property has not been sold within 5 years before the date of acceptance of the application;

4. At the time of application, you did not enjoy the provisions of the housing security measures for high-level talents in this Municipality or other housing security policies.

Submit information:

The applicant will prepare sufficient materials and submit them to the town people's government and sub-district offices. Fill in the "Zhuhai Public Rental Housing Security Application Registration Form" truthfully, and provide the following materials when applying for public rental housing physical distribution or renewal:

1. Copy of the ID card and household registration book of the applicant and co-applicant (original for future reference);

2. A copy of the labor contract signed by the applicant and the employer in this Municipality with the employment period of 1 year or more (the original is for future reference) and the social security payment certificate of 1 year or more;

3. Photocopy of the applicant's intermediate or above professional technical title or intermediate or above technician qualification certificate (original for reference), or copy of the certificate of high-tech enterprise (high-tech enterprise: high-end manufacturing, high-tech industry, high-end service industry, characteristic ocean and agriculture) recognized by relevant government departments (original for reference) and senior management certificate, or senior management certificate issued by the enterprise and recognized by relevant departments.

4. If the applicant or co-applicant is a special care object, a lonely, old, sick and disabled person or a courageous person, it is necessary to provide the identification materials of the civil affairs department and relevant departments. Is a major disease, the need to provide more than two (including two) hospital diagnosis and hospitalization certificate and other related documents;

5. Applicants and co-applicants are required to submit proof of marital status, and married persons are required to provide marriage certificates; At present, single people need to provide a single resident commitment letter (divorce certificate, divorce agreement or copy of judgment (ruling) book). Divorced people must provide it. Children are raised by men or women, but in real life, they are raised by women or men, and they need to be certified by the neighborhood Committee after investigation; Widowed must provide a certificate issued by the local police station or relevant departments).

Offline application method

1. The applicant will prepare sufficient materials and submit them to the town people's government and the sub-district office. Town People's Government and sub-district offices shall verify the applicant's family and income through household surveys and neighborhood visits within 10 working days after receiving the applicant's materials. Those who meet the application conditions will be publicized on the platform for 7 days, and submitted to the district housing security department for review after publicity without objection. If it fails to meet the application conditions after examination or publicity verification, it shall notify the applicant of the processing result and explain the reasons. Town people's government, street offices audit time more than 3 months, it shall explain the reasons in writing.

2. The district housing security department shall send a letter to the real estate registration center, vehicle management office and other departments to inquire about the applicant's real estate and vehicles within/0/5 working days from the date of receiving the applicant's materials, and the relevant assisting verification departments shall reply within 7 working days from the date of receiving the inquiry letter. Those who meet the requirements after review will be publicized on the platform for 7 days. If it fails to meet the application conditions after examination or public verification, it shall inform the applicant of the processing results and explain the reasons. The results confirmed after publicity in each district are final audit opinions.