It is a formal process for you to buy a house loan, and it is impossible for the bank to negotiate with you with insurance. You worry too much. After all, banks are officially supported by the state, and it is absolutely impossible to break the law. It is only now that the insurance industry and banks have made relevant cooperation, just to promote each other's amateur development. As long as you have your own opinion, don't worry.

According to the Notice of China Banking and Insurance Regulatory Commission, China on Rectifying the Illegal Operation of Banking Financial Institutions, banking financial institutions shall not bundle or tie in financial products such as wealth management, insurance and funds when issuing loans or providing financing in other ways.

1. Definition: Housing loan, also known as housing mortgage loan, means that the buyer fills in the application form for housing mortgage loan to the loan bank and provides the supporting documents required by legal documents, such as ID card, income certificate, housing sales contract, letter of guarantee, etc. After passing the examination, the loan bank promises loans to the buyer, and handles the real estate mortgage registration and notarization according to the house purchase and sale contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer, and the bank lends money within the time limit stipulated in the contract.

Second, the loan application information:

1. Borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required) Note:

(1) Only collateral can be used for loans, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral;

(2) It has a long-term and stable income source, which is enough to pay the monthly loan principal and interest;

(3) guarantor; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. Generally speaking, it takes about 1 month to get a loan.

Three. Loan amount:

1. residence: the maximum loan amount can reach 70%-80% of the appraised price.

2. Apartment: The maximum loan amount shall not exceed 60% of the appraised price.

3. Villa housing: The maximum loan amount shall not exceed 70% of the appraised price.

4. Commercial premises: The maximum loan amount shall not exceed 60% of the appraised price.

The loan term of the loan shall not exceed 30 years, and the second-hand housing provident fund loan shall not exceed 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term.