If you want to apply for a mortgage loan, you must first sign a formal purchase contract with the seller and pay the corresponding down payment in accordance with the regulations. Need to prepare the corresponding materials in advance, such as personal identity card, household registration book, credit report, bank running water and so on. You need to go to the bank to formally apply for a loan and submit your own application report. After the bank accepts it, you need to submit these materials. After approval, the bank will notify the applicant to sign a formal agreement. Applicants need to apply for card repayment at the bank and go through mortgage registration procedures.

Age limit for housing mortgage loans?

According to the relevant laws and regulations of our country, the age limit of housing mortgage loan is 18 years old and cannot exceed 65 years old, which may vary slightly from bank to bank. The details shall be subject to the regulations of Bank of Dai Sheng.

In addition to the age limit, the housing mortgage loan also requires the applicant to have full capacity for civil conduct, to be a China resident, to have a stable job and income, and to ensure timely and full monthly repayment. When applying for a loan, the bank will ask the applicant to provide personal work certificate and income certificate as the basis for the approval of the loan amount applied by the individual.

What are the lending conditions of housing mortgage loan?

If you want to ensure that the mortgage loan you apply for is approved, you must ensure that the borrower of the mortgage loan must have a stable economic income, a good credit status, be able to repay the loan stably for a long time, and maintain a good credit information status. Generally, the loan amount will be comprehensively evaluated according to the borrower's credit status, and finally the loan amount will be determined. Each bank will have certain differences in lending conditions. Therefore, before signing the house purchase contract, we must communicate effectively with the bank to ensure that our conditions can meet the standards of bank lending, otherwise once the house purchase contract has been signed, but there is no way, lending will cause bad effects of default.

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