Personal social security requirements for buying a house in Wuhan

1. What conditions do foreigners need to buy a house in Wuhan?

According to the Wuhan Purchase Restriction Order stipulated by the conditions for foreigners to buy houses in Wuhan: 20 1 1 year, starting from February 23rd, it is tentatively decided to purchase 1 set of houses for households with registered residence in this city (including couples and minor children, the same below) and households with non-registered residence in this city who can provide tax payment certificates or social insurance payment certificates in this city 1 year. For households with registered residence in this Municipality who already own two or more houses, households with non-registered residence in this Municipality who own 1 houses and above, and households with non-registered residence in this Municipality who cannot provide proof of tax payment or social security payment in this Municipality 1 year, the sale of houses to them shall be suspended within the administrative area of this Municipality. In violation of the provisions of the purchase, not for real estate registration.

Second, the conditions for foreigners to buy a house in Wuhan How to treat married and unmarried loan submission materials differently?

1, married people need to provide the following materials:

(1) Borrower's husband and wife identity certificate

(2) The household registration certificate of the borrower's husband and wife

(3) Marriage certificate of the borrower's husband and wife

(4) Proof of the income of the borrower's husband and wife (bank standard)

(5) The income account of the borrower's husband and wife has been running for nearly 12 months.

(6) repayment account opened by the bank

(7) Buying houses and collecting furniture

(8) Purchase contract

(9) The housing management department shall issue the advance notice registration certificate.

2. Unmarried people need to provide the following materials:

(1) Identification certificates of the borrower and the co-applicant.

(2) the household registration certificate of the borrower and the co-applicant.

(3) Marriage certificates of the borrower and the co-applicant.

(4) proof of income of the borrower and the co-applicant (bank standard)

(5) The fund income account of the borrower and the co-applicant has been in operation for nearly 12 months.

(6) repayment account opened by the bank

(7) Buying houses and collecting furniture

(8) Purchase contract

(9) The housing management department shall issue the advance notice registration certificate.

3. What are the basic requirements for foreigners to buy a house in Wuhan?

basic requirement

1, the borrower must be a local resident or a foreign buyer who is over the age of 18-65 and has the capacity for civil conduct (the foreign buyer must provide the tax payment certificate or social insurance payment certificate for operating in the local area for over 1 year).

2. The down payment ratio of the first home loan is 40%, the down payment ratio of the second home loan is 60%, and the policy of the third and above mortgage banks does not accept buyers.

3. Debt ratio (monthly mortgage repayment+other loans) < = 50% of the monthly income of both husband and wife.

4. The credit report shows that the loan is overdue for three consecutive times, with a total of six times. In principle, no loans will be issued.

4. What are the conditions for foreigners to buy a house in Wuhan?

According to the current conditions for foreigners to buy a house in Wuhan, Wuhan's housing policy, if the household registration is in Wuhan, does not require social security for the whole amount or loan, but only personal ID card, household registration book and single certificate, and the loan needs to be replenished for nearly half a year. (It is recommended to increase personal income as much as possible every month before purchase to facilitate loans. In addition, find a company to stamp an official seal for you to prove that you work in their company and have a legitimate career!

At present, the principle of transfer is: the area of the house purchased is more than 100 square meter, and the total price is more than 500,000 yuan, so your 400,000 yuan must be mortgaged to buy a house that is satisfactory in all aspects.

In addition, Wuhan hukou can also enjoy certain loan concessions. At present, Wuhan hukou purchases the first suite, with the basic interest rate.

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