Apply for a mortgage loan from the bank. The first suite can borrow 70%, and the interest rate is basically the current benchmark interest rate. Due to the tight money supply, some banks raised the benchmark interest rate by about 65,438+00%. The longest life span is 30 years, but generally only 20 years.

It is necessary to provide the identity card, household registration book, marriage certificate, work income certificate and financial certificate of the purchaser and his spouse, as well as the purchase contract and down payment invoice signed with the developer.

The bank inquires about the credit information system of the People's Bank of China of the buyer's family, and there is no record of housing loan purchase. If the buyer provides the certificate of no housing issued by the real estate bureau of the place where the household registration is located and the place where the house is purchased, it can be considered as the loan applied by the customer for the first time. That is what I said before: recognize the house and recognize the loan.

If the family member of the purchaser has a record of house purchase loan in the credit information system, or the real estate certificate of the registered permanent residence and the place of house purchase shows that there is a house, the bank will recognize it as a second home loan, with a loan of 50% and an interest rate floating 10% to 20%.

I wonder if this will solve your problem! thank you