Although most homebuyers choose a fixed-rate mortgage, how can they apply for a floating-rate mortgage for their first home? What is the application process?

application conditions for floating rate mortgage

(1) requirements of banks for personal credit investigation: banks that have been overdue for three consecutive times or accumulated for six times will not accept loan business;

(2) a natural person with full capacity for civil conduct;

(3) Good credit, no outstanding bad credit records, and the ability to repay the loan principal and interest on schedule;

(4) The property purchased by the loan is fully mortgaged to the handling institution of the Bank;

(5) provide legal and effective second-hand housing sales contracts or agreements;

(6) The down payment ratio is in line with the provisions of the Bank;

(7) Provisions on loan term: the loan term shall not exceed 3 years; On the final maturity date of the loan, the borrower is not over 65 years old. If there is a borrower, the loan term can be calculated based on the younger one.

application process

(1) personal loan application (available from our bank);

(2) ID card and household registration book of the loan applicant;

(3) the marriage certificate of the married person and the spouse's ID card and household registration book;

(4) proof of house ownership;

(5) proof of income; The investigator of the agency shall evaluate the credibility of the income certificate in combination with the age, education, work experience, job position and salary level of the industry where the loan applicant works;

(6) a legal and effective contract or agreement for the sale of second-hand houses;

(7) legal and valid down payment voucher for the transaction between the buyer and the seller;

(8) If the property is mortgaged or pledged, provide the ownership certificate and the certificate that the person who has the right to dispose of the property (including the owner of the property) agrees to mortgage or pledge, and provide the appraisal report of the mortgaged property approved by the Bank when necessary;

(9) valid identity documents of the mortgagor, pledger and guarantor;

(1) If the guarantee is provided by a partner recognized by the bank, a written document of the guarantor's consent to the guarantee shall be issued;

(11) The central delivery room shall provide the Registration Form for the Listing and Sale of Public Houses Purchased by Central Units in Beijing and complete the relevant procedures for allowing listing and trading;

(12) In case of renting a house for transaction, the lessee shall be informed of the real estate transaction and mortgage loan before the loan, and a Tripartite Agreement on Mortgage Lease shall be signed with the lessee (which can be obtained from the bank);

(13) Other information reasonably required by the bank.

(The above answer was published on May 1, 213, and the current relevant house purchase policy should be based on the actual situation)

When buying a new house, go to Sohu Focus.