You need to provide your own ID card, household registration book, single certificate, and your parents' marriage certificate, ID card, household registration book, income certificate, bank running water and other materials, so that you can apply for a loan at the bank. The property is in your name, but the monthly repayment can be paid by parents;
In the process of adding parents as co-payers, you and your parents need to arrive at the bank site at the same time, and the relevant formalities can only be handled after being confirmed by the staff.
Mortgage means that the buyer fills in an application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to issue loans to the buyer after passing the examination, and handle real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
2. Can college students go to mortgage to buy a house? Is there any way for parents to pay? ...
Even if the down payment is 450,000 yuan and 30% is13.5-140,000 yuan, you can apply for a personal housing loan of 31.5-310,000 yuan with a 30% discount and a monthly interest rate of 3.465. You can apply for 1-30 years!
3. Can college students apply for a mortgage? What should I pay attention to?
Ask the bank.
4. Can a foreigner apply for a mortgage in Hailar?
The first choice for mortgage is provident fund loan (30% down payment), followed by mortgage loan (20% down payment). The interest rates of the provident fund are 1-5 years 3.33%, 5-30 years 3.87%, 1-5 years 4.03% and 5-30 years 4. 16%. ~ ~ ~ ~ ~ ~ ~ ~ Housing provident fund loan is a special housing consumption based on housing provident fund, which is distributed to employees who pay housing provident fund for the purchase, construction, renovation and overhaul of their own housing, including commercial housing, affordable housing, self-owned housing, fund-raising housing, reconstruction housing and public housing. Loan amount: The calculation method of the upper limit of the provident fund loan amount is: the monthly deposit amount of housing provident fund for loan employees ÷ the deposit amount of housing provident fund for loan employees 2× the actual loanable period. The amount of provident fund loans is generally required to be no more than 70% of the total housing price, and there is generally an upper limit. Loan term: up to 30 years. Loan interest rate: (1). From February 23, 2008, the individual housing loan to increase the housing accumulation fund will be adjusted from the current annual interest rate of 3.5 1% to 3.33%; Loans with a term of more than five years are adjusted from the current annual interest rate of 4.05% to 3.87%. (2) Loans accepted and signed before 2008 12 shall be accepted and signed 22 days before the adjustment, and the adjusted interest rate shall prevail. The outstanding loans issued before June 23, 2008+February 23, 2009 shall be implemented according to the above notice from June 65, 438+October 65, 2009/KLOC-0. ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ Applicable object: Property buyers who have paid part of the house payment but lack the ability to continue to pay the remaining house payment. Loan amount: The maximum loan amount for housing is 80%. Loan Term: The sum of the term and the mortgage term of the second-hand house mortgage loan shall not exceed 30 years. Loan interest rate: The loan interest rate, loans overdue interest rate and default interest rate shall be implemented in accordance with the relevant mortgage interest rate policies and management regulations of the People's Bank of China and the loan bank. ~ ~ ~ ~ ~ housing/education/consumption, etc. Let's learn about it with friends who have failed to realize their dreams for economic reasons. These few minutes are not just a little time to surf the Internet and play games. Please pay attention to your stingy friend: maybe wealth will pass you by! -If you want a loan, please apply online at Easy Loan China, which is convenient and quick! ! ! Easy loans to China (banks/microfinance institutions) will save you lower costs! 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