Conditions for foreign hukou to buy a house in Guangzhou

The conditions for non-Guangzhou hukou to buy a house in Guangzhou (1) have been uninterrupted social security for five consecutive years. (2) Only one set of foreign accounts can be purchased. If the social security has not been completed for five consecutive years, you can buy one in Zengcheng and one in Conghua. There is no social security limit, but you can only buy one set. Social security restrictions are really strict for foreigners. The price change in five years is not too big, and the full amount may become a down payment. In fact, the best way to buy a house is to choose to enter Guangzhou. You don't have to wait five years for social security to buy a house. A family can buy two sets.

Matters needing attention for foreign hukou to buy a house in Guangzhou

1, social security or individual tax payment

If a migrant wants to buy a house in Guangzhou, the social security or tax payment certificate must not be "broken" or "returned" for five consecutive years. If the social security of the floating population does not meet the requirements, you can check whether the individual tax meets the requirements. If you are not satisfied with both, you can choose to buy a house outside the city or call a collective account in Guangzhou to buy a house.

2, the loan down payment problem

Guangzhou implements the principle of "recognizing the house and recognizing the loan", in which "recognizing the house" refers to the local housing situation of the borrower in Guangzhou and "recognizing the loan" refers to the housing loan situation of the borrower nationwide. If migrants have outstanding mortgages in other provinces and cities, they should pay at least 70% down payment for buying a house in Guangzhou; If the mortgage of other provinces and cities is settled, buy an ordinary house in Guangzhou with a down payment of at least 40%.

In addition, if the foreign household registration has a suite in Zengcheng or Conghua, whether the loan is mortgaged or not, it is necessary to buy a house in Guangzhou in full. Be careful not to divorce blindly for the qualification of buying a house. This kind of exploiting loopholes is not desirable. When looking for an intermediary, you must find a formal one, not an unqualified one, and be cautious. If you want to buy more properties, you can choose unlimited areas such as Zengcheng and Conghua. Of course, the best way is to enter Guangzhou and enjoy the preferential treatment for local people to buy a house.

According to Guangzhou's purchase restriction order, non-local residents need to provide proof that they have paid personal income tax or social insurance 1 year or more in this city since the date of purchase.

Necessary information for foreigners to buy a house in Guangzhou

1, ID card or household registration book of the buyer;

2. The buyer's 5-year social security and personal income tax payment certificate (which cannot be cracked);

3. The buyer's income certificate and bank flow;

4. Buyer's down payment receipt;

5. Legal purchase contract;

6. The real estate license and land use certificate of the purchased house;

7. Other materials specified by the bank;

Legal basis: Article 2 of the Opinions on Improving the Sales Management of Commercial Real Estate Projects, non-Guangzhou household registration has paid taxes or social security for five consecutive years (counting from the date of purchase, not counting the overdue payment), and the purchase limit is 1 set; Families with non-Guangzhou household registration limit purchases (including donations) 1 house in Conghua and Zengcheng;