Buying a house requires a social security certificate.

The central bank stipulates that banking financial institutions can issue housing loans to non-local residents who meet the policy conditions according to the local urbanization development plan. However, foreign loans to buy a house will be subject to many restrictions. Generally speaking, banks will require foreigners to provide a list of social security contributions for the past year as proof of social security. Or provide a personal income tax payment certificate for the past year as a tax payment certificate. Foreigners who borrow money to buy a house can also provide tax payment certificates if they don't want to open social security certificates.

Banks in some areas treat people who buy houses with loans equally, such as Agricultural Bank of Yangzhou, Jiangsu Province and Postal Savings Bank. In other words, it is the same for foreigners to borrow money to buy a house as for locals, and there is no need to provide social security certificates or tax payment certificates.

It is recommended that foreigners who borrow money to buy a house go to the local bank to understand the relevant policies.

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