1, with legal status;
2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record;
3. There is a legal and effective purchase contract;
4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
5. If a mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;
6. Being able to provide effective guarantee recognized by the loan bank;
7. Meet other conditions stipulated by the lending bank.
8. Housing mortgage loans can be loaned to 69 years old according to age.
If you go to the bank for a loan of 500,000 yuan, you must first understand your own conditions, and then choose the appropriate loan method, such as credit loan, mortgage loan/pledge loan, etc. First of all, answer from two aspects:
1. If there are no assets in the name, credit loans are the first choice, but ordinary credit loans cannot provide a high amount of 500,000 yuan. But some banks can provide provident fund credit loans and social security loans. For example, the maximum amount of provident fund credit loans such as Minsheng Bank Provident Fund Credit Loan and Guangfa Bank Provident Fund Credit Loan is 500,000. According to the user's provident fund deposit information and personal credit information, comprehensive evaluation and credit expansion are carried out.
For example, social security loans such as Minsheng Bank and Ping An Bank all have credit loans tailored for social security customers, with a maximum amount of 500,000. Investigation and repayment ability.
2. If you have assets in your name, such as houses, cars and financial product documents, you can apply for a mortgage/pledge loan with a loan of 500,000 yuan.
However, it should be noted that the loan amount depends not only on the borrower's credit status, but also on the assessed value of the assets used for mortgage or pledge, which is generally about 70% of the assessed price, that is, at least 800,000 houses or cars are needed to realize it.