2 have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule.
3. Willing and able to provide real estate mortgage approved by the lender; The co-owners of real estate recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.
4. The property right of the mortgaged house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage.
5. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
6. The owner of the collateral can be the borrower himself or someone else. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor and his spouse or other property co-owners to sign it.
How to apply for a full mortgage loan?
1. Fill in the application for residential house mortgage and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor;
2, in line with the relevant laws and regulations of the housing ownership certificate or proof that I have the right to control the house; Appraisal report, appraisal report and insurance certificate of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank. The above is the first step of the mortgage loan process.
3. The bank examines the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping. The borrower and the borrower's guarantor sign the housing mortgage loan contract and notarize it.
4. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
5. There are restrictions on handling loans. /kloc-a natural person over 0/8 years old with full capacity for civil conduct, with unstable professional income, bad credit and the ability to repay without compensation. Many people want to get a high loan, but you must have a corresponding income to match it. If your personal credit has a bad record, there is also the risk of being refused a visa.