First, the loan term.

1, the longest term of individual housing loan is 30 years, or 20, 1 can be selected.

2. Personal commercial housing loans

3. Men under 60 years old and women under 55 years old.

Second, the basic provisions of housing loans

1. loan purpose: it is used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland.

2. Loan targets: China natural persons with full capacity for civil conduct and overseas natural persons with the right of abode in Chinese mainland.

3 loan (construction, overhaul) 70% of the total house price or evaluation value.

4. Loan term: up to 30 years.

5. Loan interest rate: It shall be implemented in accordance with the relevant regulations of the People's Bank of China.

6. Repayment method: entrusted deduction

7. Repayment method: the loan term is 1 year, and the principal and interest are paid off in one lump sum; The loan term is based on interest and average capital repayment method.

8. Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , you can use one or more loan guarantees.

Three, apply for a loan should be submitted to the information

1, identity document;

2. Proof of the borrower's repayment ability;

3. Legitimate and effective purchase (construction, overhaul) contracts, agreements or (and) other approval documents;

4. proof of down payment;

5. Loan guarantee materials;

6, the provisions of the loan bank.

2. Can I get a loan for the house in Ezhou Huarong?

of course

3. Can foreign houses apply for mortgage loans? Here's the rule!

Although house prices remain high, many people still take out loans to buy houses. If they need money, they can apply for a mortgage loan, which is not only high in amount, but also low in interest rate, which is suitable for users who need money badly. So can foreign houses apply for mortgage loans? Today, let's take a look.

1. Can foreign houses apply for mortgage loans? In the past, this was possible. Now the country has introduced relevant policies one after another, and banks have slowly stopped this business. The main reason is that there are many defects as follows: 1. High cost and high risk. 2. To handle the mortgage loan business of real estate in different places, it is necessary to send staff to the local area to inspect the housing situation, which consumes a lot of manpower and material resources. If the borrower fails to repay the loan as agreed, it will be very troublesome for the bank to handle it. For the above reasons, banks are generally not allowed to accept cross-regional real estate mortgage loans, and most of them require real estate to be a local house. Second, can I get a loan for a house that is not in my name? In fact, according to the provisions of the mortgage policy, as long as the consent of the owner of the house is obtained, the borrower can also apply for a loan with the property in the name of others. 3. What are the conditions for mortgage loan? 1. The area of the real estate as a mortgage loan cannot be less than 50 square meters, nor can it be greater than 150 square meters, and the age requirement of the house cannot exceed 25 years at most; 2. Some affordable housing under five years, real estate within the planning scope of government departments, some public facilities, illegal buildings, cultural relics protection buildings, real estate with unclear property rights, real estate with outstanding loans and small property houses cannot be used as collateral to apply for loans. 3. The borrower is between 18-65 years old, has full capacity for civil conduct, can provide relevant proof of address, has no record of overdue repayment within two years of personal credit investigation, and has a stable income.