Social security to buy a house is not nationally universal

Social security to buy a house is not a national universal. A single city's social security can only be used to buy a house in a certain city or a nearby area, which is also the meaning of the purchase restriction policy, if it is the whole country, the purchase restriction has no use. If you want to buy a house in a certain city, you need to pay the local social security or personal tax as soon as possible, the property market is changing rapidly, the best early processing.

Precautions for purchasing a home in a different location

1, meet the qualifications for purchasing a home

The first thing you need to know about buying a home in a different location is the local purchasing policy. By the influence of the control policy, many cities have implemented a strict restriction on the purchase of foreign household registration policy, different cities have different conditions, some cities need to continuously pay enough years of social security, some need to show such and such a proof. Many of the city's real estate prices and qualifications are closely related to the country's macro-policy and local economic and real estate policies, if you want to choose to buy a home in the field, then you should further understand these, so that you have a clear idea.

2, credit and income after examination

No matter where the loan to buy a house, you need to have a stable job, income and good credit to pass the bank's loan approval. And for home buyers in other places to be more strict. Banks approving loans generally require a monthly stream or proof of income that is two times your monthly payment. That means if your monthly payment is $10,000, you are required to have more than $20,000 in proof of income. If you are married, the bank will look at the income stream of both people combined. By the way, if your significant other is also not a local, make sure you change your status to married on your account book. Otherwise you will be asked to go through the procedures in the south of the country when you buy a house.

3, the purchase of complete information

Original and photocopy of ID card, or other proof of identity;

Original and photocopy of the hukou, including the first page, the head of the household, the person's page;

If it is already married, to provide the original and photocopy of the marriage certificate;

If it is a single person, then the original certificate of singleness;

If it is single, the original certificate of singleness;

There are many other reasons why you should not buy the house, but if you are a single person, then the original certificate of singleness will be required. p>Stable financial income, good credit, income certificate issued by the relevant unit;

Other supporting information required by the relevant departments.

4, understand the credit policy

The foreign loan to buy a house needs to be very detailed understanding of the local bank loan requirements and policies, be sure to prepare the required information in the hometown clear, so as not to delay because of one or two materials back and forth! In addition, non-city resident families in the limited scope of the purchase of new commercial housing and second-hand housing, need to obtain real estate ownership certificate for three years before listing transactions.

5, there is a mortgage or guarantor

The need for collateral for off-site loans is also an indispensable part of the process. In addition to the house itself to be used as collateral, you generally have to provide other things or a guarantor to do so. After all the information is complete, credit and income also pass the test, the collateral is legal and valid, and the guarantor's consent to the commitment letter also passed, the bank can agree to your loan.