Can non-Shanghai residents who have paid social security in Shanghai for five years buy a house in Shanghai with commercial loans?

A: Hello, according to the regulations of the bank, you have to pay 60 months of social security within 63 months, and your age meets the loan conditions. Therefore, if the following conditions are met at the same time, you can buy a house in Shanghai through commercial loans:

(1) You have stable and legal economic income, and you can provide corresponding income and asset certificates:

(1) Income certificate issued by the borrower's work unit, stamped with the official seal (or personnel seal) of the company and a copy of the business license;

Self-employed individuals, private enterprises and private borrowers can provide tax receipts or audited financial statements and business licenses for nearly three months;

(3) If the running water does not match the income, that is, the running water is not enough to cover twice the monthly payment, you can provide proof of other valuable assets, such as real estate, deposits, wealth management, stocks, funds, etc.

(2) I have no bad credit record (in principle, I refuse to lend for three consecutive years and six consecutive years within five years, subject to the credit requirements in the bank loans);

(3) sign an effective purchase contract or purchase agreement with the owner;

(4) Pay the down payment according to the specified proportion.

Only by meeting the above conditions can we borrow money to buy a house.

On the premise of meeting the requirements, there is a record of housing loans nationwide (whether settled or not), and if you apply for a commercial personal housing loan to buy ordinary self-occupied housing again to improve your living conditions, the down payment ratio shall not be less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.

If you have no loan record in the past, then according to the regulations: if there is no commercial housing loan record or provident fund housing loan record nationwide, the loan for this house purchase application will be implemented in accordance with the first home loan policy, and the down payment ratio will be no less than 35%.