House mortgage loan means that when an individual purchases a residential or commercial property that has a property ownership certificate and can be traded on the market, he or she pays a certain proportion of the down payment, and the rest is used as the property to be purchased. Mortgage, loan from a partner institution.

1. Information required to apply for a mortgage loan:

The applicant’s and spouse’s ID cards, original and 3 copies of their household registration (if the applicant and his spouse do not belong to the same household registration Proof of marriage relationship must be attached);

Original copy of the house purchase agreement;

Original and 1 copy of the receipt for the advance payment of 30% or more of the house price;

Materials proving the applicant's family income and relevant assets, including salary slips, personal income tax returns, income certificates issued by the unit, bank deposit certificates, etc.;

One copy of the developer's collection account number.

2. Mortgage loan conditions:

Age between 18-65 years old, with full capacity for civil conduct;

Pay the first installment of the house purchase payment;< /p>

Have stable legal income and the ability to repay interest;

The borrower agrees to use the purchased house and its equity as collateral;

The purchased second-hand house The property rights are clear and meet the conditions stipulated by the local government to enter the real estate market;

The purchased house is not within the scope of the demolition announcement;

Other conditions required by the lending bank.

3. Mortgage loan process:

The lender prepares relevant information, fills out the loan application at the bank, and submits the materials;

After the loan bank receives the application Confirm and review the information;

After review, the lending bank will contact the lender and sign the relevant contract;

The bank will grant the loan and the lender will fulfill its repayment obligations.