Information provided:

1. Identity cards of both husband and wife of the borrower (original and two copies)

2 household registration book (one original)

3. Marriage certificate (original and photocopy)

If you are unmarried, you need to fill in the unmarried statement, and our bank will keep the original.

5. Divorced or widowed persons are required to provide divorce certificates or agreements, judgments and spouse death certificates (original and photocopy).

6. A copy of the property right certificate of the complete set of houses actually owned by the family members (including the borrower, spouse and minor children) who intend to purchase the house.

Extended data:

Application conditions

1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;

2. The sum of the applicant's age and the loan period shall not exceed 70;

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

5. There is a valid guarantee recognized by the handling bank;

6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;

7. Other conditions stipulated by the handling bank.

Quota, term and interest rate

1. If you apply for a loan to purchase an ordinary self-occupied house for the first time, the maximum loan amount shall not exceed 80% of the net value of the collateral. Specific loan ratio policies can be consulted with local branches.

2. The longest loan period shall not exceed 30 years, and the loan period plus the borrower's age shall not exceed 70 years.

3, the first time to apply for a loan to buy ordinary self-occupied housing, the loan interest rate is not less than 0.7 times the benchmark interest rate of the corresponding grade announced by the People's Bank of China. In other cases, the loan interest rate shall be implemented within the benchmark interest rate of loans of the same grade published by the People's Bank of China and the corresponding floating ratio. Please consult your local branch for specific interest rate implementation policies.

Baidu encyclopedia-personal housing loan