There is no service charge for buying a house loan. Users only need to bring information to the bank to apply. Of course, if users apply for second-hand housing loans, they generally need to go through intermediary operations, and then they will charge intermediary service fees. If the user applies for a mortgage loan, the relevant institutions need to evaluate the value of the property, and an evaluation fee will be charged.

In other words, there is no extra cost for the house loan itself, and the cost is part of the extra service.

What are the conditions and procedures for buying a house loan?

Conditions for buying a house with a loan:

Have a stable economic income and the ability to repay the principal and interest of loans. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

Self-raised funds of more than 30% of the total price of the purchased house are used to pay the down payment of the purchased house.

There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation ability as the guarantor. Other conditions stipulated by the lending bank.