3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc.

4. If the newly purchased house needs to be renovated, provide information such as the house sales contract and purchase invoice (or the original house needs to be renovated again, provide materials such as the house ownership certificate);

5. Other conditions stipulated by the Cooperation Organization.

Can I get a loan to buy a house in town?

Loan conditions of mortgage loan:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

There is a legal and effective purchase contract;

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 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

If the 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 year;

Being able to provide effective guarantee recognized by the loan bank;

Other conditions stipulated by the lending bank.

Can I get a loan to buy a house in the town?

Whether you can borrow money to buy a house depends not on administrative divisions or geographical location, but on development.

Developers with five certificates, two books and three forms can apply for loans.

Five certificates refer to: state-owned land use planning permit, construction project planning permit, construction operation permit and commercial housing sales (pre-sale) permit.

The second book is a certificate and a residential instruction manual.

Three tables refer to: record table of completion acceptance, table of measured area of houses, and residential projects.

The materials required for individual housing loans include: ID card, household registration book, marriage certificate (divorce certificate, single certificate), income certificate, recent salary, and a copy of the business license stamped by the company.

Most importantly, personal credit information refers to the personal credit records provided by a legally established personal credit information agency, which collects and processes personal credit information according to the requirements of users and provides personal credit information inquiry and evaluation services.

Personal credit information includes:

1. Identify the basic personal information of an individual;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information of individuals, commercial institutions and public institutions;

4 administrative organs, administrative affairs executive organs and judicial organs in the process of exercising their functions and powers;

5. Other information related to personal credit.

If the personal credit information is not good, the bank will not approve the loan or the interest rate will rise, which depends on the borrower's data in the personal credit information system.

Those who meet the above conditions can apply for a loan.

4. Can a house in Nanba Town take a bank loan?

Yes, if you have enough credit, you can buy a house in Nanba Town through a bank loan. Because different banks offer different loan conditions and quotas, you can choose the right bank according to your own needs and abilities.