1. Loan terms
(1) The house can be listed and traded.
(2) The borrower has legal status.
(3) have a stable economic income, have the ability to repay loans, and have no bad credit records.
(4) The purchased house has obtained the house ownership certificate, and the house age is within 30 years.
(5) Other conditions stipulated by the lending bank.
2. The borrower shall provide information.
(1) Property certificate (property certificate and land certificate), house purchase contract, house purchase bill and deed tax bill.
(2) Documentary of the expenses of water, electricity, gas and property management of the house.
(3) Identity cards and household registration books of the borrower and spouse.
(4) The borrower's marriage certificate (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).
(5) proof of income (including official seal).
(6) Other relevant information required by the bank.
Procedures for handling mortgage loans:
(1) The borrower consults customer service.
(2) According to the borrower's conditions and combined with bank policies, our company tailor-made loan varieties for you.
(3) The two parties (the company and the borrower) sign a loan service contract after reaching an agreement.
(4) The company contacts the evaluation company to evaluate the house site.
(5) After the evaluation is completed, the company completes the loan information, and then informs the borrower to bring relevant information to the bank to sign a loan contract to confirm the loan amount.
(6) The bank conducts examination and approval.
(7) After the approval of the bank, the company informs the borrower to go to the housing management office for mortgage registration.
(8) After the mortgage registration is completed, hand over the real estate license and related materials to the bank, and the bank will lend money.