All good.

Mortgage housing loans actually refer to the type of bank loans that are mortgaged to banks using commercial houses that the customer already owns and can be put on the market, which is different from second-hand buildings.

Home mortgage loan

Home loan and first-hand property loan are based on the fact that the customer already has the ownership of the property, rather than about to own it. Mortgage home loans need to have a clear loan purpose and cannot be used for purposes expressly prohibited by laws and regulations. For example, real estate speculation and stock speculation are not allowed. Mortgage home loans are required to be used exclusively for the purpose and must be subject to the supervision of the loan issuer and regulatory agencies. , if violations are found, the bank has the right to recover the loan.

In addition, the credit record of a mortgage home loan customer is very important. It is a historical evidence that reflects the customer's willingness to repay. If the credit is not good, no matter how valuable the property is, the bank will not accept the mortgage home loan. , which means not borrowing a penny.

Loan conditions

(1) Have legal status;

(2) Have stable economic income, the ability to repay the principal and interest of the loan, and no bad credit records;

(3) Have a legal and valid house purchase contract;

(4) If the newly purchased house is used as the maximum amount of mortgage, there must be a legal and valid house purchase contract, and the house must be Within 10 years, and a down payment of no less than 30% of the total price of the house purchased has been prepared or paid;

(5) If a house has been purchased and a mortgage loan has been applied for, the original house mortgage loan has been repaid More than one year, the loan balance is less than 60% of the value of the mortgaged house, and the house used as mortgage has obtained the house ownership certificate, and the house is less than 10 years old;

(6) Be able to provide a valid certificate recognized by the lending bank Guarantee;

(7) Other conditions specified by the lending bank. [