Housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house with property ownership certificate and a house or commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral.

1. Information required for mortgage loan:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. Original purchase agreement;

3.65438+ original and 0 copies of the advance payment receipt for 30% or more of the house price;

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

5. The developer's collection account number 1 copy.

Two. Mortgage loan conditions:

1. Aged between 18-65 years old, with full capacity for civil conduct;

2. Pay the down payment;

3. Have a stable legal income and the ability to repay interest;

4. The borrower agrees to use the purchased house and its rights and interests as collateral;

5. The purchased second-hand house has clear property rights and meets the requirements for entering the real estate market stipulated by the Beijing Municipal Government;

6. The purchased house is not within the scope of the demolition announcement;

7. Other conditions required by the lending bank.

Third, the process of mortgage loan:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

For bank loans, the lender shall fulfill the repayment obligation.