What is the process for foreigners to apply for Huzhou self-occupied commercial housing?
Whether locals or foreigners apply for the purchase of "self-occupied commercial housing", they must first go through the qualification examination of the government.
1. Registration: The Municipal Housing Construction Committee is responsible for guiding and supervising the sales management of self-occupied commercial housing in this city. The online site shall be divided according to the responsibilities. Before the developer handles the pre-sale permit of self-occupied commercial housing or the filing procedures of existing home sales, it shall make a public announcement on the website of the Municipal Housing Construction Committee and the sales site for no less than 15 days.
2. Verification: the result will be given within 20 working days. The result of verification can be obtained within 20 working days after the citizens submit the materials. Only applicants who have passed the house purchase qualification verification can participate in the lottery.
3. Shake the number: After the system starts to shake the number, the candidates in these two pools line up separately, and then the developers inform the house selection in turn. Similar to the license plate lottery system, before the lottery, families waiting for property-based affordable housing and non-local households automatically enter the priority pool, and other eligible people enter the ordinary lottery pool.
4. House selection: The houses in the priority pool will be selected in priority according to the order determined by the lottery, and the developer will sign a purchase contract with the purchasing family. Family members who purchase houses are not allowed to apply for the purchase of self-occupied commercial housing in the future. If they are waiting for affordable housing and price-limited commercial housing, they will automatically give up their waiting qualification. Moreover, each applicant family can only choose one set of self-occupied commercial housing and then sign a contract.
Conditions and requirements of Huzhou provident fund loan
To apply for provident fund loans in Huzhou, you must meet the loan conditions and requirements, as follows:
1. When employees with full capacity for civil conduct buy, build, renovate or overhaul self-occupied houses with their own property rights in this city, they can apply for housing provident fund loans when their personal account balance with the house owner is insufficient.
2. The borrower (including spouse, the same below) shall meet the following conditions when applying for provident fund loans:
(1) The housing provident fund has been paid in full for 6 consecutive months before the application (2 months for newly employed college students or imported talents);
(2) having a stable economic income and the ability to repay the principal and interest of the loan;
(3) Personal credit is good, which meets the relevant requirements of provident fund loans for personal credit;
(4) If you purchase a house, you need to sign a valid purchase contract, and you have paid the down payment with your own funds, which accounts for the specified proportion of the total house price;
(five) new construction, renovation, overhaul of housing, it shall provide relevant approval documents, housing ownership certificates and land use certificates;
(6) Agree to provide loan guarantee approved by the loan principal;
(7) To apply for a loan with * * * real estate, the owner of the house must be the spouse or lineal blood relative of the borrower;
(eight) other conditions stipulated by the provident fund management committee.