1. Required qualifications

Loan target:

China natural person with full civil capacity.

loan conditions:

(1) having local permanent residence or valid residence status (ID card, household registration book, military certificate, temporary residence permit, etc.);

(2) Have a stable occupation and income;

(3) Good credit and the ability to repay the loan principal and interest on schedule;

(4) having assets recognized by the lender as collateral or pledge; Or if the borrower can't provide mortgage (pledge) in full, there is a unit or individual that is recognized by the lender and meets the prescribed conditions and has sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability;

(5) There is a contract or agreement for the purchase of housing or relevant approval documents;

(6) The price of the purchased house basically conforms to the appraisal value of the lender or its designated real estate appraisal agency;

(7) If you don't enjoy the house purchase subsidy, deposit or cash not less than 2% of the total price of the house purchased shall be used as the down payment; Enjoy the purchase subsidy, with 2% of the personal deposit or cash as the down payment;

(8) Other conditions stipulated by the lending bank.

(9) The borrower shall have both the above clauses, and the borrower shall guarantee the authenticity and legality of the documents provided. If the losses of the Lender are caused by the Borrower, the Borrower shall be liable for compensation.

II. Required procedures

Individuals need to provide information

(1) Identity cards of the applicant and spouse (if married), and people from other provinces need to provide the Beijing Temporary Residence Permit and the certification document "Notice of Approval for People from Other Provinces and Cities to Purchase Houses in Beijing" issued by Beijing Real Estate Center

(2) Proof of marital status: married, unmarried, divorced

(2) And relevant supporting documents

(4) the original "down payment certificate" and its paid receipt or deposit certificate with the bank that is not lower than the down payment

(5) proof of income (stamped with the official seal of the company)

(6) copy of the business license of the working unit (stamped with the official seal and reflecting the annual inspection of the current year)

(7) documents required by other banks.

depending on the specific requirements of each bank, the materials to be submitted will be different.

3. Related expenses

(1) Attorney's fees: generally 3‰ of the loan amount applied for, which will be collected by the law firm;

(2) insurance premium: total house price * expense coefficient (see home insurance expense coefficient for details) * loan period, which shall be paid by the applicant in one lump sum and collected by the insurance company.

(3) Stamp duty: .5% of the applied loan amount will be collected by the tax bureau;

(4) Bank account opening fee: RMB 1 yuan, which will be charged by the bank.

iii. down payment and repayment period

the down payment is generally not less than 3%, and the repayment period is not more than 3 years.

Details are as follows: The borrower must meet the following conditions at the same time:

(1) It has legal status;

(2) It has stable economic income, good credit and the ability to repay the loan principal and interest;

(3) There are legal and valid contracts and agreements for purchasing houses and other supporting documents required by the lending bank; Under normal circumstances, the house purchased must be a real estate developer who has signed a mortgage agreement with the bank;

(4) Self-raised funds of more than 3% of the total price of the purchased house (2% for the owner-occupied house with a floor area of less than 9 square meters), and guaranteed to be used for the down payment of the purchased house;

(5) There are assets recognized by the lending bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensatory capacity are used as guarantors;

(6) Other conditions stipulated by the lending bank.

materials to be submitted when applying for a loan:

(1) photocopies of identity documents (resident identity card, household registration book, military officer's card, overseas and foreign natural person's passport with the right of abode in Chinese mainland, family visit card, home return card and other identity documents), including the spouse's identity documents or providing unmarried certificates;

(2) Proof of the borrower's repayment ability recognized by the lending bank;

(3) legal and effective purchase (housing contracts, agreements and related approval documents;

(4) Relevant certificates of the borrower's self-raised funds for housing purchase;

(5) House sales (pre-sale) permit or property right certificate (existing house) (copy); (provided by the developer)

(6) Other documents and materials specified by the lending bank.

please consult the specific handling banks for details.