What are the conditions for foreigners to buy a house in Rong Gui, Shunde

What are the conditions for foreigners to buy a house in Shunde

1. The conditions for buying a house in Shunde are as follows:

1. A natural person who has reached the age of 18 and has full civil capacity;

2. When the loan expires, the age of men should not exceed 61, and the age of women should not exceed 55;

3. Have a stable and legal occupation and income source, and be able to repay the principal and interest.

2. The written materials to be provided for buying a house include:

1. The valid identity certificates (ID card, household registration book or other valid residence certificates) of myself and my spouse, and the business license (check the original and keep a copy) for individual operators;

2. Proof of the borrower's marital status (marriage certificate or single certificate);

3. If you are foreign, foreign or single, you should be guaranteed by someone with a local account; Proof of income and property of the borrower and spouse;

4. Purchase contract and down payment receipt; Commitment letter that the property is mortgaged; Bank housing mortgage loan application approval form.

What are the policies for buying houses in Shunde?

1. For the first house, the tax rate of the original policy was 3% for houses over 144 square meters, and the new policy no longer divides the boundary of 144 square meters, but uniformly stipulates that the tax rate of houses over 91 square meters is 1.5%.

2. For the second set of improved housing, the original policy stipulates that the tax rate of 91 square meters and below is 3%, and the new policy is 1%; The original policy stipulated that the tax rate above 91 square meters was 3%, and the new policy was 2%.

3. The down payment for the second suite can already be applied for 41%, and the interest rate will rise by 11%. "If the loan for the first suite is paid off, the second suite can be counted as the first suite. The first home loan currently implements the benchmark interest rate. "

4. Newly-purchased commercial housing (including newly-built commercial housing and second-hand housing) can only be transferred after obtaining the title certificate of immovable property for 3 years. This means that new houses can't be traded until they have obtained the real estate registration certificate for three years.

I want to take out a mortgage. I'm in Rong Gui, Shunde. I don't know which bank can approve that kind of loan. What is the relevant interest rate?

Industrial and Commercial Bank of China and Development Bank are easier to approve. The interest rate depends on whether you are a provident fund or a commercial loan.

I bought a house in Rong Gui, Shunde, and I plan to use the housing provident fund loan. How much do I need to approve it?

I applied on April 11, and the loan was released on June 4. About two months.

Now you can apply for provident fund loans if the housing provident fund has accumulated for more than half a year. It is estimated that the housing provident fund loans can be 251,111 yuan, the housing provident fund loans can be about 311,111 yuan if it has accumulated for more than 1 years, and the housing provident fund loans can be 411,111 yuan if it has accumulated for more than two years. If both husband and wife have provident fund for more than two years, they can accumulate 811,111 provident fund loans.

If your personal name loan is insufficient, you can apply for a mixed loan, that is, a part of provident fund loan (benchmark interest rate is 3.75%) and a part of commercial loan (benchmark interest rate is 5.65%).

I bought a flat in Rong Gui, Shunde, which was approved by the bank in September 2111, but the bank refused to lend money on the grounds that the loan interest rate was raised in October?

bank loans are subject to a multi-level approval system, and there are still the following conditions when they are approved.

1. The interest rate of bank loans is determined according to the lending date;

2. The preferential interest rate of bank loans and the floating ratio are adjusted and determined according to the policy provisions of the loan lending date (at present, the four major state-owned commercial banks and joint-stock commercial banks have cancelled the discount, and the discount may be cancelled if lending);

3. The country has tightened the scale of housing loans, and banks have set up barriers to lending, making it difficult to lend on a large scale;

4. According to the change of interest rate, it was raised again on February 26th.

According to the above situation, it is suggested to make two preparations:

1. After the bank lends money, the monthly repayment amount may be higher than expected, and the repayment plan should be adjusted in time;

2. consider that you may have to pay in full because you can't lend, so you should be prepared to buy a house in full to avoid being passive.

according to the current development trend, there is still room for upward adjustment of interest rates.

So much for the introduction of Shunde Rong Gui Loan.