1. The mortgage loan requires the service life of the house to be within 30 years; 2. The area of the house is basically not required.
4. The mortgage loan amount is 50%-70% of the appraised value of the house;
5. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years;
6. 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;
7 "loan term+borrower's age" is generally not more than 70 years old.
Loan target: the applicant is a natural person with full capacity for civil conduct and holding a resident identity card or valid residence certificate;
Loan term: determined according to the specific loan purpose and mortgage term; Loan interest rate: determined according to the specific loan purpose and the borrower's qualification;
Repayment method: interest will be calculated after 5 years at the longest, and the principal and interest will be equal for 20 years at the longest. ?
Materials to be submitted for Tianjin commercial housing mortgage loan application: real estate license, identity certificate, marriage certificate, income certificate, bank account and other materials required by the bank.