1. What are the age requirements for Agricultural Bank of China’s house mortgage loans?

As for housing loans that require age, many banks said: Not all houses can be mortgaged for housing mortgage loans. There are certain requirements for the age of the house, which generally cannot exceed 15 years. Some banks may Relaxed to 25 years.

When applying for a home mortgage loan, most banks have relatively strict specifications for the mortgaged properties. Generally speaking, banks will consider it more difficult for properties with an area of ??≤50 square meters and an age of ≥20 years. Liquidation, harder to get a mortgage. Of course, if the property is located in a relatively major urban functional area, some properties may be considered separately.

2. Can Agricultural Bank of China provide house mortgage loans?

Yes.

1. Operation time: more than 2 years

2. House age requirement: no more than 2 years

3. Area requirement: at least 50 square meters;

4. The area where the collateral is located: where the loan is located;

5. The type of collateral: ordinary residences, villas, shops, offices

Application information

1. ID card, household registration book, marriage certificate;

2. Proof of income;

3. Business license, code certificate, tax registration certificate;

4. Company articles of association and capital verification report;

5. Purchase and sale contract for the past three months.

Extended information:

Loan process

1. Before borrowing, the borrower must fill in the residential mortgage application form and submit the following supporting materials to the bank: The borrower’s unit The borrower's fixed economic income certificate, legal person certificate and other credit certification documents issued.

The borrower's legally valid identity certificate; the relevant housing ownership certificate that complies with the legal provisions or the proof that he has the right to control the house; mortgage documents and insurance documents; contracts, agreements or other certificates for the purchase and construction of the house Documents; other documents or materials required by the lending bank.

2. The bank will review the borrower’s loan application, house purchase contract, agreement and related materials.

3. The borrower shall hand over the property ownership certificate and insurance policy or securities of the mortgaged property to the bank for collection.

4. The guarantors of the borrower and the lender sign a housing mortgage loan contract

5. After the loan contract is signed and notarized, the bank's deposits and loans from the borrower will be transferred to the house purchase contract through transfer. units or building units.

6. Loan settlement, loan settlement includes normal settlement and early settlement.

①Normal settlement: on the loan maturity date (one-time repayment of principal and interest) or at the end of the loan;

②Early settlement: on the loan to be partially or fully settled in advance To pay off the loan, you must apply to the bank in advance according to the loan contract, and the bank will review and repay the loan.

After the loan is settled, the borrower should present his or her valid identity document and the loan settlement certificate issued by the bank to receive the certificate of seizure by the bank, and go to the original mortgage registration department with the loan settlement certificate to handle the mortgage< /p>