The conditions for buying a house in Jinan

According to the Jinan home purchase policy, home buyers in Jinan need to meet the following conditions:

1, can provide a full year of social security deposits in Jinan or tax proof.

2, with no less than 30% of the down payment for the house to be purchased.

3, have a stable job and income, but also have the ability to pay back the full amount on time.

4, good credit history, if the borrower has a cumulative total of six or three consecutive bad credit record, is unable to apply for housing fund loans, and will affect the processing of commercial loans, so it is recommended that you go to the bank before applying for a mortgage to check their credit history.

5, be able to provide the contract or agreement for the purchase of the house.

6, be able to provide valid proof of identity and proof of residence and proof of marriage.

7, with full civil behavior.

What is Jinan's home purchase policy

1, Jinan's previous purchase restriction policy was formally introduced in March 2011, and has been implemented for more than three years now. According to Jinan's purchase limit policy, the number of units purchased by a resident family is limited.

2. The sale of houses in Jinan to residents who own two or more houses, those who own one or more houses, and those who cannot provide proof of payment of personal income tax or social insurance for more than one year within two years in Jinan is suspended.

3, each set of commercial residential housing (including second-hand housing) within five years can only enjoy a home purchase settlement policy, the scope of its application refers to the home purchase settlement policy to move into the city's six districts of the people, since November 7, 2008, the purchase of home settlement, this set of commercial housing within five years will no longer be able to enjoy the above policy of home purchase settlement. When a resident declares that he/she is moving into the city by purchasing a house, there should be no other person's permanent residence in the commercial residential house.

4, in Jinan to buy a house, if both husband and wife to pay provident fund, provident fund loan high amount is 600,000 yuan, if both husband and wife only one party has a provident fund, then the provident fund high can be loaned 300,000 yuan.