Of course.

Full loan for house purchase means that the loan applicant can apply for a mortgage loan from the bank without paying the down payment.

Need to meet the conditions of mortgage loan to buy a house: 1. The loan applicant has a permanent residence or valid residence status in the local town and is a China resident for one year. Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on time. Then the loan applicant has self-raised funds of more than 20% of the total price of the purchased house, and guarantees that it will be used to pay the down payment or pledge of the purchased house, or the unit or individual with sufficient compensatory ability will serve as the guarantor to repay the principal and interest of the loan and bear joint and several liabilities. The last loan applicant has the purchase contract or agreement, the appraised value of the purchased house, the real estate appraisal agency entrusted by the bank and other conditions stipulated by the bank.

2. Is Ping An Bank's mortgage reliable? You will understand these advantages at a glance!

Ping An Bank has many financial businesses, and its comprehensive financial empire really covers all aspects of its business. For the fiery real estate peripheral business, Ping An Bank will naturally not let go. With the upsurge of buying a house, mortgage has become a hot product. Competition among banks is fierce. Many people ask, is Ping An Bank's mortgage reliable? We can learn from the following points.

In terms of security, Ping An Bank is definitely reliable. The comprehensive financial platform built by Ping An has a wide range of business and a certain position. With such a strong background, you can apply with confidence. Secondly, there are many people who apply for Ping An Bank's loan business, among which the application for mortgage has the following characteristics: 1, and the interest rate is low: on the whole, Ping An Bank's mortgage interest is relatively low and affordable. 2. High finance: the loan amount can be as high as 80% of the total value of the house, helping you buy a house easily. 3. Long-term: extend the loan term for 30 years, reduce the repayment pressure, and make your monthly payment worry-free. 4. The procedure is simple: only one signing is needed, and three-step lending (application, approval and lending) is required. 5. Easy repayment: Ping An Bank's mortgage supports a variety of repayment methods, which can be selected according to its own needs. About "Is Ping An Bank's mortgage reliable?" I'll introduce you here. In addition, I would like to introduce the basic characteristics of Ping An Bank mortgage. With these advantages and strong background, Ping An Bank's mortgage is basically very reliable.

3. Can Ping An Bank get a loan?

With the loan from Ping An Bank, you can also apply for a loan (provided that the following conditions are met):

1. You can go to the guarantee company, which will pay off the loan first. After the house mortgage is released, the guarantee company will apply to the bank for mortgage loan procedures.

2. You can also apply for a housing mortgage loan directly from the bank (buy a new house or a second-hand house), but it should be handled according to the second set of housing policies.

3. The mortgage of the house shall be subject to the registration of the third-party housing management department. You have a real estate license, but if you want to mortgage, you still have to register with the housing management department. A set of collateral cannot be mortgaged twice.

The bank won't give you a loan until the formal mortgage formalities are fulfilled.

Requirements of the Borrower:

1.18-a natural person aged 60 (Hong Kong, Macao, Taiwan, Chinese mainland and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower

1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

Two copies of marriage certificate/divorce certificate or judgment/single certificate;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

4. Can Ping An Bank borrow money to buy a house?

I. Loan interest rate:

Annual interest rate of the project (%)

I. Short-term loans

Within one year (including one year) 4.35

Second, medium and long-term loans

One to five years (including five years) 4.75

More than five years 4.90

III. Annual interest rate of provident fund loans%

Less than five years (including five years) 2.75

More than five years 3.25

According to the regulations of the People's Bank of China, the loan interest rates of various banks can float freely at present, so the loan interest rates of various loans of various banks will be different, and the interest required for loans will be more or less.

Two. Conditions for applying for bank loan business:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank.

If you meet the above conditions, you can apply for a loan business at a local bank.