Down payment ratio 30

First, the basic conditions of commercial housing mortgage loans

1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The purchased house is located in a town (in principle, it includes the borrower's current residence or place of work and business;

3. According to the personal credit situation, the house sales contract has been signed with the development company, and the down payment ratio stipulated by the bank has been paid, with a minimum of more than 30%;

4, occupation, education level, repayment ability, the mobility of the purchase of housing and other conditions to determine.

5. Agree to go through the mortgage registration of pre-purchased commercial housing first, and promise to use the purchased house as the loan mortgage, and re-apply after the purchased house is completed and the property right certificate is obtained.

Secondly, information must be provided.

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same certificate);

2. The commercial housing sales contract signed by the purchaser and the company;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of income of the purchaser (provided by the bank and placed in the sales office);

5. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;

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

Three. General commercial terms

1. The loan term is generally less than 30 years, and the repayment person is 65 years old (male) and 55 years old (female);

2. If the loan fixed interest rate is adjusted, and the term is within 1 year, the contract interest rate will be implemented, and interest will not be calculated by installments; Fixed interest rate;

3. The main repayment methods of mortgage are divided into average capital and matching principal and interest, and buyers can choose freely. The principal pays interest on a monthly basis, and the monthly repayment amount remains unchanged (interest rate

2. What is the current down payment ratio of commercial loans for house purchase in Taizhou? I live in Taixing and work in Suzhou. I guess

The down payment ratio is 30%.

First, the basic conditions of commercial housing mortgage loans

1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan collateral, and re-apply for mortgage registration after the purchased housing is completed and the property right certificate is obtained;

Secondly, information must be provided.

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. The commercial housing sales contract signed by the purchaser and the company;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of income of the purchaser (provided by the bank and placed in the sales office);

5. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;

6. The developer's collection account number is 1 copy.

Three. General commercial terms

1. Generally, the loan term is less than 30 years, and the maturity date of the loan cannot exceed the borrower's age (male) of 65 years old and (female) of 55 years old in principle;

2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;

3. The main repayment methods of mortgage are divided into average capital and equal principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).

Third, the possibility of building Taixing District?

It shouldn't be possible. Because Taixing is far away from the main city of Taizhou, communication is inconvenient, and Taixing itself has strong economic strength, Taixing people have a weak sense of setting up districts and are unwilling to integrate into Taizhou.

4. At present, what is the down payment ratio of commercial loans for house purchase in Taizhou? My household registration is Taixing and I live in Suzhou. ...

Some positions have household registration restrictions, but most of them do not. You can apply. 20 14 Jiangsu civil servant recruitment guide is expected to be published in February and written in March. Please pay attention to the local official website or Vocational Education Network for specific time.