First, the housing mortgage loan application conditions:
1. The nature of the house; Residential, office buildings, villas, commercial housing, cost housing, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years.
2. The mortgagor (normal age 18-65 years old) is in good health.
3. The mortgagor shall not participate in the credit investigation in recent 24 months.
4. Other assets that the mortgagor can prove the source of repayment (large certificates of deposit, second house property, stocks, funds, etc.). ).
5. The actual use of funds is clear.
Second,
Housing mortgage loan information:
1. Property Ownership Certificate
2. Identity cards of the obligee and his spouse
3. The household registration book of the obligee and spouse
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
5. Proof of income
6. If the property owner has minor children, please provide birth certificate.
7. If the property still has a bank loan, please provide the original loan contract and the last bank statement.
8. In order to improve the loan pass rate, please provide as many other family property certificates as possible (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). )
Third, the process of housing mortgage loan:
1. Submission
2. Sign bank documents
3. Housing assessment
4. The bank passed the audit
5. Bank loans
6. Mortgage registration
7. Repay the loan on a monthly basis