Conditions for Nanning housing loan
* * * 1 * * A natural person with civil capacity;
* * * 2 * * * * * developer * * * permanent residence or valid residence status in this town;
* * * 3 * * A stable occupation and income, good credit and loan service ability;
* * * 4 * * Enter into a contract or agreement to purchase a house;
***5*** The down payment for the buyers whose house price is not less than 3% without housing subsidy; 3% of the individual's housing subsidy is used as the down payment for house purchase;
* * * 6 * * Assets recognized by the lender are used as mortgage or pledge, or units or individuals with sufficient compensation capacity;
* * * 7 * * Other conditions stipulated by the lender.
Materials of Nanning housing loan
1. Identity document * * * Resident ID card, household registration book or other valid residence documents * * *;
2. A certificate of loan economic income or solvency issued by the authorized department of the Bank;
3. Letter of intent, agreement or other approval files of the housing purchase contract that meet the requirements;
4. the down payment certificate issued by the developer;
5. List of collateral or pledge, certificate of ownership, certificate of consent of the person with disposition to mortgage, pledge and certificate of collateral valuation;
6. The guarantor agrees to provide the written file of the guarantee and the guarantor's credit certificate;
7. If savings deposits are used as self-raised funds, bank deposit certificates are required;
8. If the provident fund is used as self-financing, proof that the housing provident fund management department has approved the use of the provident fund deposit shall be provided;
9. Other files or materials required by the Bank.
repayment method of Nanning housing loan
The borrower shall repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract. If the borrower repays the loan in advance, it shall obtain the consent of the lender in advance and go through the relevant formalities.
There are two ways to repay the principal and interest:
1. If the loan term is one year * * * including one year * * *, the principal and interest will be repaid once at maturity, and the interest will be paid off with the principal.
2. If the loan term is more than one year, repayment methods such as matching principal and interest repayment method and average capital repayment method can be adopted to repay the loan principal and interest on a monthly basis.
after you have paid off the principal and interest of the personal housing loan department of the applicant bank, the staff of the bank will assist you to go to the relevant departments to handle the mortgage and pledge ownership certificate files and collateral, which will be returned to you for safekeeping.
the qualification of personal loans to buy a house in Nanning
1. Housing provident fund loans eligible for personal loans to buy a house
To apply for housing provident fund loans, you must meet the following qualifications:
You have continuously paid the housing provident fund for 12 months or have paid it for more than 24 months and are still paying it; And you should have a stable job and income, and have the ability to repay the loan principal and interest; Then there is a contract for the purchase of housing or relevant certification files; We also need to provide housing fund management departments and some ways to guarantee; As property buyers, we have to meet other conditions stipulated in the housing fund management.
2. Commercial loans that qualify for personal loans to buy a house
To apply for commercial loans to buy a house, we must meet the following conditions: we must be natural persons with full civil capacity, aged between 18*** and * *-65 years old * * and * * *; Have legal and valid identification * * * resident ID card, household registration book or other valid identification * * * and proof of marital status; Have a good credit record and willingness to repay; Have a stable source of income and the ability to repay the principal and interest of the loan in full and on time; A contract with the purchased house; Have the ability to pay the down payment of the purchased house; Having an effective guarantee recognized by the lender; The seller has the right to legally dispose of the purchased house, and the purchased house has the house ownership certificate; If the property right of the house * * * exists, the certificate of consent to transfer must be issued by the owner of the house property right * * *; There are other conditions stipulated by the bank.