1. Documents required for a loan to buy a house:
Valid identity certificates (ID cards, household registration books or other valid residence documents) for myself and my spouse. Proof), self-employed individuals must provide a business license (original for verification, copy kept).
2. Materials required to buy a house with a loan:
1. Submit a personal housing loan application;
2. Submit a copy of your ID card;
3. Proof of the borrower’s stable economic income or other proof of debt repayment ability issued by the relevant department must be recognized by the handling bank;
4. Legally purchased housing contracts, agreements and related approval documents ;
5. A list of mortgages or pledge rights and ownership certification documents are required, and a collateral valuation report issued by an appraisal agency recognized by the lending bank;
6. A guarantor’s certificate is required A written commitment to provide guarantee and the guarantor’s credit certificate; 7. Relevant bank deposit receipts, certificated treasury bond documents and other securities that the borrower intends to provide to the lending bank for pledge;
8. A house sales (pre)sale license or a real estate certificate for the real estate is required;
9. If the spouse applies for a loan together with ***, the loan application form must also fill in the relevant information of the spouse clearly , and present your marriage certificate, household registration book, etc.;
10. Other documents and information required by the lending bank.
Extended information:
Conditions for provident fund loan to buy a house:
1. Conditions for applying for provident fund loan to buy a house
According to the Housing Provident Fund Management Regulations, The conditions for citizens to apply for provident fund loans are as follows:
1. The house purchased by the applicant must be a self-occupied house, have a permanent residence in this city (such as Guangzhou) or a valid ID card, and have been in residence for 6 consecutive years before applying for a loan. Pay regular monthly housing provident fund payments.
2. The applicant has a stable economic income, no bad credit record, a down payment of 30 RMB is required for the first home, and a down payment of RMB 20 is required for a house of 90 square meters or less, and has the ability to repay the loan as required. There is also a certificate of housing registration information issued by the housing security bureau of the place where the provident fund is deposited and where the house is purchased.
3. A guarantor recognized by the client will provide a periodic guarantee before the house mortgage takes effect, and use the purchased house as a mortgage. Of course, the only home buyers who can apply for housing provident fund loans are parents and direct adult children.
2. If you need to pay off the first home, you can apply for a provident fund loan
Different from applying for a commercial loan for a second home, applying for a provident fund loan to purchase a second home must meet certain conditions. Otherwise it will not be accepted.
Citizens who apply for provident fund loans to buy a second house must repay the provident fund loan for the first house, and the down payment ratio for the loan to purchase the second house must not be less than 60%. In addition, according to regulatory policies, loan interest rates will also increase by 10%.