Answer: 1, 18 years old has full capacity for civil conduct; 2. Have a stable occupation and income; 3. Has signed a commercial housing sales (pre-sale) contract with the developer; 4. The down payment of more than 20% of the total purchase price has been paid; 5. The borrower and the property * * * Some people are willing to mortgage the purchased house, handle mortgage registration and property insurance.

2. Q: What information should I provide to apply for a housing loan?

Answer: 1. I and my spouse's valid identity certificate (ID card, household registration book or other valid proof of residence), and the self-employed person shall provide the business license (check the original and keep a copy);

2. Proof of the borrower's marital status (marriage certificate or single certificate); 3, foreign, foreign or single, must be guaranteed by a person with a local account; 4. Proof of income and property of the borrower and spouse;

5. Purchase contract and down payment receipt; 6. Commitment letter that the property * * * is pledged by someone *; 7, bank housing mortgage loan application approval form.

3. Q: What is the amount and duration of the loan?

A: 1. The maximum loan amount shall not exceed 80% of the total price of the purchased property, and the maximum loan amount for commercial outlets shall not exceed 60%; 2. The loan term plus the borrower's age shall not exceed the statutory retirement age, and the longest shall not exceed 30 years.

4. Q: What is the procedure for handling mortgage loans?

A: 1. The borrower signs a house purchase contract with the developer and pays the down payment; 2. The borrower applies for a loan and submits loan information; 3. Bank acceptance, investigation and approval; 4. The bank signs a loan contract with the borrower; 5. Go through notarization and insurance procedures; 6. Banks issue loans.

5. Q: Which bank has the best mortgage?

A: At present, the implementation standards of housing loan interest rates of banks are inconsistent. Some banks have gone up, and some banks still have discounts. Borrowers need to find more banks to compare. In addition, different banks have different loan interest rates and loan thresholds, so lenders may wish to make reasonable choices according to their actual conditions.

6. Q: What is the difference between equal principal and interest and average capital? Which repayment method is good?

A: The average capital refers to the same principal that needs to be repaid every month. As the principal gradually decreases, the interest will gradually decrease. Matching principal and interest means the same monthly repayment amount. Part of it is used to pay interest and part is used to pay principal. Generally speaking, the total amount of matching principal and interest will be higher than the total amount of interest in the average capital, but the repayment method in the average capital has great repayment pressure at the beginning.

7. Q: What does the benchmark interest rate mean?

A: There are three kinds of interest rates in China: one is the deposit and loan interest rate of the People's Bank of China to commercial banks and other financial institutions, that is, the benchmark interest rate, also known as the legal interest rate; Second, the deposit and loan interest rate of commercial banks to enterprises and individuals is called commercial bank interest rate, which fluctuates on the basis of the benchmark interest rate; Third, the interest rate in the financial market is called the market interest rate. Among them, the benchmark interest rate is the core, which plays a key role in the whole financial market and interest rate system, and its change determines the change of other interest rates.

8. Q: What should I do if the mortgage interest rate changes after buying a house by loan for a period of time?

Answer: If the term of personal housing mortgage loan is within 1 year (including 1 year), the contract interest rate shall be implemented. In case of interest rate adjustment, interest will not be calculated by stages; If the term of personal housing mortgage loan is above 1 year and the legal interest rate is adjusted, the new interest rate will be implemented at the beginning of next year according to the adjusted interest rate grade. For real estate mortgage loans, in case of interest rate adjustment, some banks start to implement new interest rates on a monthly or quarterly basis according to the adjusted interest rate grades.

9. Q: Can mortgage repayment be postponed or suspended for several months?

Answer: Generally, you can apply, but it mainly depends on the bank to see whether you are liable for breach of contract according to the contract. In addition, even if the loan repayment is successfully postponed or suspended, the reputation of personal banks will be affected to some extent.

10, q: can I apply for mortgage repayment in advance? What steps are needed?

Answer: If the payment is made on a monthly basis, the principal and interest are reduced/matched, and the payment period is over one year, and the remaining payment period is not less than one year, you can apply. Just bring the original loan contract and the applicant's information when applying, and you need to apply one month in advance. However, due to early repayment, banks will earn less interest, so there are also cases where liquidated damages need to be paid.

(The above answers were published on 20 17-04-0 1. Please refer to the actual situation for the current purchase policy. )

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