Sometimes, although we are not often in one place, we need to have a house in that place, that is, buying a house in a different place. How to buy a house in a different place and whether we can borrow money? The following are the relevant processes and knowledge of off-site house purchase, which you can refer to:
The local tax payment certificate or social insurance payment certificate for more than one year shall be provided in the mortgage purchase procedures for house purchase in different places. If the non local residents who cannot provide the local tax payment certificate or social insurance payment certificate for more than one year apply for housing loan, the lender shall implement the second (or more) differentiated housing credit policy, that is, the down payment and loan interest rate may be increased.
The procedures and procedures for the approval of banks are not the same, but generally require the lender to provide the household registration certificate provided by the public security organ at the place where the registered residence is registered, the work certificate of the employer's work, income certificate, local temporary residence certificate, local fixed contact address and contact method. The bank will check the lender's credit records and so on.
There are many kinds of loans to buy a house, including provident fund loans and commercial loans. If the provident fund loan is before the loan, you first know how much money you have in your provident fund account and how much money the unit gives you every month. Only when you know your situation can you get a loan. If it is a commercial loan, it is necessary to measure the affordability of funds.
It follows three guidelines:
1. Monthly repayment amount of the loan ≤ 50% of monthly disposable income - monthly property management fee;
2. Monthly repayment amount of the loan ≤ 55% of monthly disposable income - monthly property management fee - average monthly repayment of other debts;
3. Cash, bank deposits and other emergency funds shall be able to maintain daily expenses for more than three months in case of emergency.
It should be noted that most banks provide mortgage repayment method change business and loan repayment combination. If you find that the current mortgage repayment method is not suitable, you should consult professionals and select the appropriate combination method for change, so as not to hurt your own credit, or make too much burden and pressure.
If you want to buy a house in another place, you can consider the house in Beihai, Guangxi:
China's oxygen bar - Beihai, Guangxi, has inherent unique geographical, environmental and climate advantages, rapid economic development advantages, and strongly supported national policies. Whether it is idle money investment or vacation pension, Beihai, Guangxi is a very perfect choice!