Conditions to be met for personal loans:
1. Loan age limit 18 years old or older, the maximum age for men is 60 years old, and the age for women is 55 years old. Cadres at or above the department level are legal citizens for five years;
2. Holding a legal household registration book, ID card or business license, certificate of legal representative or legal residence permit and passport, the city purchases commercial housing designated by the bank;
3. Open a special deposit account in the bank, and the deposit balance shall not be less than 30% of the purchase price;
4. There are valid proof documents such as purchase contracts and agreements;
5. Agree to mortgage the property under the house purchase contract;
6. Willing to perform all the terms of the loan contract;
7. Other conditions stipulated by the bank.
Materials to be submitted when applying for a loan:
The loan applicant applies to the bank, fills in the application form in writing, and submits the following materials:
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Proof of income or personal assets;
5. In case of mortgage loan, it is required to provide the ownership certificate of the mortgaged house, the identity certificate of the owner of the mortgaged house (including the legal owner), the certificate of marital status and the written certificate of consent to mortgage; And assess the value of collateral according to the regulations and provide assessment reports; If the mortgaged house is exempted from evaluation, relevant certification materials that meet the conditions for exemption from evaluation shall be provided, including the transaction contract or the latest evaluation report;
6. Use plan or loan purpose statement;
7. Other information required by the bank.