The conditions for bank housing loans are as follows:
1. Those who have legal identification and apply for policy personal housing loans should have local permanent residence;
2. Have a stable occupation and income;
3, have the ability to repay the loan principal and interest on schedule;
4. There are assets recognized by the loan bank that can be mortgaged or pledged, or (and) there are guarantors who meet the prescribed conditions for their guarantee;
5, there is a contract or agreement to buy housing;
6. When applying for a loan, you have a deposit of not less than 30% of the funds required for purchasing a house in the bank. If you apply for a policy-based personal housing loan, you should deposit the housing provident fund in the bank as required.
Bank loan purchase process:?
1, prepare relevant procedures.
The materials provided to the bank mainly include: loan application, user ID card, household registration book, income certificate, marital status certificate and other materials. Users of mortgage loans need to issue property certificates of collateral. Users of unsecured loans need to provide good credit records.
2. Approval before bank loan
Banks examine and approve loan applications and related materials submitted by users.
3. Go through other formalities
If it is a mortgage user, the user also needs to go to the relevant department to register the mortgage.
4. Bank loans
After the approval, the bank will inform the user of the loan amount, loan term, loan interest rate and other related information, and the bank will sign a contract with the user to transfer the loan to the user's account.
Matters needing attention when handling mortgage:
1. Identify the main lender and the secondary lender.
When determining the first-class lender and the second-class lender, the husband and wife must decide according to the actual situation. When determining the main lender, we should choose the husband and wife with high and stable income. In addition, we should pay attention to the age limit, which may affect the loan term.
2. Pay attention to the change of credit policy:
The city implements purchase restriction, generally in the restricted purchase area, taking the family as the unit, the down payment for the first suite needs 30%, and the second suite needs 60%.