1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. When the loan expires, the man is not over 60 years old and the woman is not over 55 years old;

3. Have a stable and legal occupation and income source, and have the ability to repay the principal and interest.

Loan percentage

1, the housing loan generally does not exceed 70% of the total price of the house purchase contract, and the maximum does not exceed 80% of the total price of the house purchase contract;

2. Commercial housing loans shall not exceed 50% of the total contract price;

deadline

1. The maximum term of individual housing loan is 30 years;

2. The longest term of personal commercial housing loan is 10 year;

loan rate

1. The personal housing loan interest rate is10% lower than the benchmark interest rate;

2. The interest rate of personal commercial housing loan rises at the benchmark interest rate level10%;

3. During the loan period, when the national legal interest rate is adjusted, the new interest rate will be implemented from 1 in the following year.

Repayment method

1. Equal principal and interest repayment method: the borrower repays the loan principal and interest in equal amount every month;

2. Average capital repayment method (decreasing): the borrower repays the principal in equal amount every month, and the loan interest decreases with the principal month by month;

Two. The borrower shall provide materials (copied on A4 paper)

1. Original and photocopy of ID cards of both parties: 7 for the borrower and 2 for the spouse;

2 original and two copies of the household registration book (home page, home page and personal page).

3.( 1) The original and two copies of the marriage certificate (photo page and content page).

(2) provide the original and two copies of the unmarried single certificate (issued by the civil affairs department in the area where the household registration is located)

(3) Two originals and copies of divorce certificate and single certificate;

4. Original and photocopy of income certificates of both parties 1 copy.

Note: Private enterprises are required to provide two copies of their business licenses (they must pass the annual inspection in that year).

Two copies of the tax payment certificate for the last three months;

Other sources of income and easily realized property (rent, deposits, bonds, securities, real estate, cars, etc.). ) can also be provided.

5. The original and two copies of the down payment invoice.

III. Materials provided by the Employer

1 3 ordinary house purchase contract;

2.3 Pre-sale permit;

3 copies of the house number approval form;

4. 1 copy of business license of enterprise as a legal person;

5. Filing 1 contract;

IV. Signature and fingerprint of the customer

1, 1 dialogue notes

2. Two loan applications.

3. Income certificate (both parties) 1 copy.

4. Six loan contracts.

5.4 mortgage forms

6. Two statements.

Verb (abbreviation of verb) collection of various fees

1, deed tax: x1.5% of the total house price (unit price144m2 above 5680 yuan /m2 above 5680 yuan is calculated as 4%).

(Submitted to Finance Bureau)

2. Maintenance fund: area × 2,300× 2.5% (calculated as 2,300 yuan for more than 2,300 yuan).

Total house price × 2.5% (within 2300 yuan)

(handed over to the real estate bureau)

3. Property right certificate and mortgage: 480 yuan (mortgage fee: residential 200 yuan, outlet: loan amount × 1.5‰, property right certificate 80 yuan, other property right certificate 80 yuan, file check 100 yuan, table 20 yuan).

(handed over to the real estate bureau)

4. Insurance: loan amount × loan term × interest rate (0.6‰)

(to the insurance company)

5. Notarization: loan amount × 1‰

(Submitted to Notary Office)

6. Attorney's fees: 600 yuan (residential) and 800 yuan (shops and outlets).

Note: Collection and payment, overpayment and underpayment.

Five or six loan contracts sealed by the developer.

Six, submit the materials provided by the bank (copy on A4 paper)

(a) report to the loan officer

1, 1 ordinary house purchase contract;

2. 1 transcript of conversation;

3. 1 loan application;

4. Copies of ID cards of both parties: borrower 1 and spouse1;

5. 1 household register (home page, household home page, personal page)

6.( 1) Copy of marriage certificate 1 copy (photo page, content page)

(2) Unmarried, provide 1 original single certificate (issued by the civil affairs department in the area where the household registration is located) and 1 single statement.

(3) Divorce should provide the original single certificate 1 copy, divorce certificate 1 copy, and single statement 1 copy.

1. Original and photocopy of income certificates of both parties 1.

Note: The private operator shall provide a copy of the business license 1 copy (it must pass the annual inspection of the current year).

Tax payment certificate for the last three months 1 copy;

You can also provide 1 copy of other income sources and easily realized property (rent, deposits, bonds, securities, real estate, cars, etc. ).

8. Copy of down payment invoice 1 copy.

9. 1 Pre-sale permit;

10, number approval form 1 copy;

1 1, 1 copy of business license of enterprise as a legal person;

I don't know if I can help, O(∩_∩)O~