Conditions for handling commercial loans for house purchase:
1, with legal status;
2, a stable economic income, good credit, the ability to repay the loan principal and interest;
3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank;
4, in the purchase (construction, overhaul) of housing with more than 20% of the total self-raised funds, and ensure that the down payment for the purchase (construction, overhaul) of housing;
5. Take the assets recognized by the loan bank as collateral or pledge, or (and) take legal persons, other organizations or individuals with sufficient compensatory capacity as guarantors;
6. The bank agrees to other conditions stipulated by the lending bank.
Materials to be prepared for commercial loan of house purchase:
(1) Application for individual housing loan.
(2) Copy of identity documents (resident identity card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visiting cards, home visiting cards and other residence certificates or other identity documents).
(c) The borrower's certificate of stable economic income or other proof of solvency issued by the relevant department recognized by the handling bank.
(4) Legal purchase (overhaul) contracts, agreements and relevant approval documents.
(e) List of rights of mortgaged property or pledge and ownership certificate, certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and mortgage evaluation report issued by an evaluation agency recognized by the loan bank.
(f) The guarantor's written commitment to provide guarantee and the guarantor's credit certificate.
(seven) the borrower intends to provide the pledged securities to the loan bank, such as the deposit certificate of China Construction Bank, certificate-based national debt, etc.
(eight) the relevant certificates of the borrower's self-raised funds for purchasing (overhauling) the house.
(a) housing sales (pre-sale) permit or real estate license (existing house).
(j) If the borrower's spouse applies for a loan together with him, he shall clearly fill in the relevant information of the spouse in the loan application form, and show his marriage certificate and household registration book.
(k) Other documents and materials required by the lending bank.
(The above answers were published on 20 15- 10-27. Please refer to the actual situation for the current purchase policy. )
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