Can I buy a house in Guangzhou without social security?

1. Can Guangzhou buy a house without social security? At present, Guangzhou is restricted to purchase, and non-Guangzhou household registration is restricted to one suite, and social security or tax payment certificates for three years within five years are required. If there is no social security, see if you can provide a tax payment certificate, or you can consider entering Guangzhou. At present, you can choose these three ways to enter Guangzhou: talent introduction, skill entry and points entry. Guangzhou household registration does not need social security or tax payment certificate to buy a house in Guangzhou. The specific condition is 1. Foreigners who want to buy a house in Guangzhou need to buy social security for more than 36 months. Without social security, it does not meet the conditions for buying a house. 2. Migrant workers in Guangzhou need to buy enough social security 12 months or more, and can enjoy medical reimbursement and maternity allowance. In Guangzhou, delivery check-ups can directly reimburse 80% of medical expenses, and migrant workers can reimburse 70%. Freshmen need social security number and computer number to apply for Guangzhou hukou. Children studying in Guangzhou want to enter a better school, and the conditions require adults to have social security. Foreigners who want to buy a car in Guangzhou need to buy social security for more than 36 months. Without social security, it does not meet the conditions for buying a car. 6. In the future, the proportion of social security contributions in Guangzhou is low, but the base is high and the welfare is good. Many people want to settle in Guangzhou for a long time. Two. Precautions for buying a house with a loan (I) Conditions for buying a house with a loan According to the Interim Measures for the Administration of Personal Loans and other relevant normative documents, a loan purchaser applying for a bank loan shall meet the following conditions: a natural person with full civil capacity; Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule; There is a purchase contract or agreement; You can pay a minimum down payment of not less than 30% of the total purchase price, and the minimum down payment ratio of the first home loan of the provident fund is 20%. Other conditions stipulated by the lender. (2) The materials that the borrower needs to submit to the bank include the Personal Housing Loan Application Form provided by the commercial bank; Identity documents (resident identity card, household registration book or other valid residence documents), and some banks also need to provide proof of marital status; The purchase contract or agreement signed by the buyer and the seller (if it is an auction house, it is a pre-sale contract for commercial housing; Existing homes are commercial housing sales contracts); Proof of the borrower's family property and stable income (including personal income certificate or tax payment certificate issued by the work unit, bank deposit certificate, real estate certificate, securities, etc.). ); The use of housing provident fund, housing fund management center issued by the borrower's provident fund deposit balance and loan amount certificate; Other documents or materials required by the bank. (3) the amount, duration and interest rate of the loan. The loan term is generally less than 30 years, and some banks stipulate that the longest period should not exceed 20 years. If your repayment ability declines during the repayment process, you can apply to the bank for extending the repayment period; On the contrary, if your repayment ability is improved, you can also increase the repayment amount of each installment. The loan interest rate shall be subject to the provisions of the People's Bank of China. If the statutory interest rate is adjusted within 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year. The main repayment methods are divided into average capital and equal principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest every month, and the monthly repayment amount remains unchanged (interest rate adjustment changes). If there is no social security and tax payment certificate in Guangzhou, foreigners can choose another way to buy a house in Guangzhou, that is, consider joining the Guangzhou household registration. At present, the conditions for allowing foreign hukou to settle in Guangzhou include education, skills and points. If these conditions are not met, you can't buy a house in Guangzhou for the time being. As for Guangzhou locals buying a house in Guangzhou, there is no requirement for social security.