We want to buy a house in Chongqing, but we can't get a loan without social security and tax payment certificate. Thank you. It's urgent.

First, the conditions for buying a house with a non-Chongqing hukou loan (1) Question: Can a foreign hukou apply for a house loan in Chongqing? I come from Jiangxi and have been working in Chongqing. There was no house or loan before. Now I want to buy a house in Chongqing, but I heard that foreigners can't apply for a housing loan when they buy a house in Chongqing. Is it true?/You don't say. Answer: Foreign buyers in Chongqing must pay attention to this policy in Chongqing: non-Chongqing hukou must show social security or tax payment certificate before applying for a mortgage. Last month, Miss Zhang from Chengdu took a fancy to two houses in Tuqiao, Banan (Forum News) District. After signing the house subscription agreement, she paid a deposit of 20 thousand yuan. However, as of yesterday's scheduled time, she was still unable to sign a house purchase contract because she applied for a mortgage from a foreign household and could not provide proof of paying social insurance and paying taxes in Chongqing. (2) Question: I am a foreigner and want to buy a house in Chongqing and prepare to marry a wife. This is my first house. What conditions do I need? Answer: Foreigners who want to borrow money to buy a house in Chongqing have higher and higher thresholds, and may even be "rejected" by small and medium-sized commercial banks. Yesterday, the reporter visited commercial banks and real estate agents in the city and learned that if some banks buy houses in different places, if the procedures are incomplete, they will be regarded as second suites. At the same time, some small and medium-sized joint-stock banks have suspended three or more mortgages. Second, the conditions for foreigners to buy a house in Chongqing (1) Question: The latest conditions for foreigners to buy a house in Chongqing. Is it okay not to buy social security? Answer: Hello, foreign hukou must provide social security certificate for more than one year when buying a house in Chongqing. (2) Question: I am from Hubei, which is very close to Chongqing. My parents like Chongqing very much and want to buy a house in Chongqing and then move to Chongqing. Can I apply for a Chongqing hukou directly after buying a house? I have read some similar questions, saying that I need a college degree or above, and I am the only one in my family who has a college diploma. Does the householder have to write about my father or me? Also, is there any district to apply for a house account? Thank you. Be specific. Reply: There is no hukou restriction here in Chongqing. You can move in by buying a house account. There is no zoning system, where to buy a house, use the real estate license or purchase contract to transfer to the police station where the account is located. Third, the conditions for foreigners to buy a house in Chongqing (1) Question: What conditions do foreigners need to buy a house in Chongqing? I'm from Guangdong, and now I work in Chongqing. I want to buy a house here. I just want to ask what conditions foreigners need to buy a house in Chongqing. Thank you for your reply. (2) Question: I have never worked in Chongqing before, but now I want to buy a house in Chongqing and develop in Chongqing. I don't know the current policy. If you know, the more detailed the better. Please don't copy it online. Thank you, you can get extra points. Reply: There is no policy. As long as you buy your own commercial housing, there is no policy to interfere with you or take care of you! Fourth, what are the conditions for foreigners to buy a house in Chongqing (1) Question: Ask foreigners if they can move into an account and what are the conditions. If you want to buy a house in the main city of Chongqing, you can live alone. Can you transfer it to an account? What materials are needed and are there any conditions? Reply: Hello! Your reply to the situation is as follows: if you buy a commercial house of more than 90 square meters in the main city, you can move your account into the main city. Original occupancy certificate, occupancy certificate, household application and household registration information issued by property management. (2) Question: I am a nonlocal registered permanent residence, my work unit is in Chengdu, and my monthly income is about 4,500 yuan. I cheated a girlfriend in Chongqing, but I didn't get married. I want to buy a house in Chongqing. I wonder if I can buy a house with a mortgage? What procedures are needed! I need the latest mortgage policy in Chongqing. I heard friends say that the down payment is 50%, some say 70%, and the interest rate is 1. 1 times. I hope friends in Chongqing can tell me more about it! Answer: The best way is to ask the property consultant in detail about the property you need to buy. You know, there are policies at the top and countermeasures at the bottom. According to the regulations, if you are a local hukou in Chongqing (hukou in the main city) or have worked in the main city of Chongqing for more than one year (tax payment certificate or insurance certificate), you can make a down payment of 20% (of course, some banks have 30%) and get a mortgage at an interest rate of 70%. If it is a foreign account, as upstairs said, the down payment is 50%, and the interest rate is 1. 1 times of the benchmark interest rate, but this is not fixed, and there are policies on it and countermeasures on it. If you want to pay the full amount, you just need to bring your ID card. If you want to mortgage, you need to go through the formalities with your household registration book, ID card, income certificate and marriage certificate. If you are close to your girlfriend, you can use her name, which is more convenient. Ha ha. In this case, if you buy less than 90 square meters, you will get a down payment of 20%. You can also enjoy (at least) a 7.5% discount, and if the economy is not affluent, you can also take a 30-year mortgage.

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