First of all, you need to consult the provident fund management center where you apply for a loan, and ask whether you are allowed to apply for a provident fund loan in different places. If so, what conditions are needed and what materials are prepared.
Can only provide commercial loans, provide ID cards, household registration books, marriage certificates, unit income certificates, and bank current accounts for more than one year.
Legal subjectivity: Yes, this kind of situation belongs to off-site provident fund loans.
How to buy a house with a foreign account loan? You must provide proof of payment of local tax or social security for more than one year. If there is no local tax or social security certificate for more than one year, the lender will follow the second (or above) differentiated mortgage policy, that is, the first interest plus loan interest.
Users can borrow money to buy a house as long as they meet the conditions of mortgage loans in different places. Housing loan process ① Understand the loan conditions. After you decide to buy a house with a loan, you should first check with a number of banks to understand the loan conditions. After selecting the attributes and determining that they meet the conditions of bank loans, buyers can start to choose houses.
Can bank loans be handled across provinces?
1. You can handle business across provinces, but there will be a handling fee across provinces. The specific charging standards are in accordance with the regulations of different banks. Rural commercial banks are local joint-stock commercial banks, which were restructured from rural cooperative banks. Shareholders who share in shares are generally farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within their jurisdiction.
2. It is impossible for banks to accept inter-provincial loans from different places. At present, in order to control risks, the monitoring radius of off-site loans is too long, and banks cannot investigate the authenticity of loans, so they cannot accept them. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
3. No, cross-regional loans refer to loans where the borrower or loan is not in the lender's service area. The current regulations generally do not approve or even prohibit the issuance of cross-regional loans. The reasons why inter-provincial loans in different places cannot be successfully processed are: inter-provincial loans in different places cannot be verified.
4. ICBC can handle inter-provincial business in different places, but there are certain restrictions.
How to handle credit loans in different places
Need to provide personal payroll and daily report to the bank. At the same time, I have to show my credit investigation letter to the bank, and I have to let the unit fill it out and seal it. All people who live in the local area must pay social security for more than one year, and at the same time, they must be sealed by the Social Security Bureau. If all your materials are submitted, the bank will review them.
Valid identity documents, household registration certificates and marital status certificates of myself and my spouse; Proof of occupation and income of myself and my spouse, including the bank settlement account statement for the last six months before the application.
To apply for a credit loan in external account, the borrower needs to have a stable job, a stable income and full capacity for civil conduct, a fixed residence and good personal credit. To apply for a mortgage loan, it is necessary to provide collateral recognized by the lending institution as collateral.
(3) The borrower has no bad credit record for more than three consecutive times; (4) The borrower needs to have a certain repayment ability, and its own debt is low. Of course, as a foreigner in Shanghai, you can not only apply for credit loans from banks, but also apply for loans from regular small loan companies.
Usually, when applying for a loan from a bank, the bank has strict requirements for the borrower. In addition to the basic personal credit information and work income, the borrower also needs to have a fixed local address and residence certificate. If the borrower meets the relevant loan requirements, even foreigners can get bank credit loans.
How to borrow money to buy a house in a different place? Detailed introduction of off-site loans.
1. Qualifications and conditions for buying a house with off-site loans. People who borrow from different places must be able to pay taxes in the local city for one year or more, or the lender must be able to prove that he has paid social insurance in the local city.
2. How to get a loan from a nonlocal family to buy a house or a loan from a nonlocal family to buy a house must provide proof of payment of local tax or social security for more than one year. If there is no local tax or social security certificate for more than one year, the lender will follow the second (or above) differentiated mortgage policy, that is, the first interest plus loan interest.
3. First, to meet the qualifications for buying a house, the first thing you have to do is to fully understand the local housing policy.
4. Loans from different places must have valid contracts and agreements for the purchase or construction of houses. Of course, if the lending bank has other requirements, it must also abide by them. The bank can lend you money only if there is something as collateral for the loan.
5. Users can borrow money to buy a house as long as they meet the conditions of mortgage loan in different places. Housing loan process ① Understand the loan conditions. After you decide to buy a house with a loan, you should first check with a number of banks to understand the loan conditions. After selecting the attributes and determining that they meet the conditions of bank loans, buyers can start to choose houses.
How do foreigners get loans from banks?
1, the process of foreigners borrowing money from banks to buy a house. The application process of housing loan is generally as follows: providing consultation, accepting application and pre-loan investigation; Loan approval; Loan issuance; Loan recovery; Post loan management.
2. If you want to borrow from a foreign bank, you can know the loan requirements and procedures through the bank's website or customer service phone. Generally speaking, you need to provide information such as ID card, proof of income and proof of real estate, and pass the bank's audit. If your information meets the requirements, the bank will give you a loan.
3. To apply for a credit loan in external account, the borrower must have a stable job, a stable income and full capacity for civil conduct, a fixed residence and good personal credit. To apply for a mortgage loan, it is necessary to provide collateral recognized by the lending institution as collateral.
How to buy a house with a provident fund loan in different places?
1.( 1) The loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time.
2. Provident funds can be borrowed from different places to buy a house. However, when applying, we must follow the standardized process.
3. First of all, you need to consult the provident fund management center that applies for loans, and ask whether the local government allows you to apply for provident fund loans in different places, if so, what conditions are needed, what materials need to be prepared, and so on.
4. Purchase process of provident fund loans and loan consultation. Buyers need to consult the loan management center applying for provident fund loans, and ask whether local loans are allowed. If yes, what conditions are needed, what materials are prepared, and so on.
So much for the introduction of how to handle off-site loans.