Both the borrower and the house meet the requirements.
Requirements of the lender
1. Prepare the minimum down payment. According to the current loan policy, both commercial loans and provident fund loans are 20%.
2, stable income, with long-term repayment ability, because the bank will check your income certificate and bank flow.
3. In order to ensure the future life, the buyers themselves should also guarantee a certain deposit.
The lender agrees to use the house and its rights and interests as collateral, because your house is actually mortgaged to the bank before your mortgage is paid off, and you actually only have the right to use it.
5. Other lending banks.
The other is the requirement for the house, as long as it is a qualified commercial house for sale, it does not belong to the following five situations.
1, small property right house. This kind of house with only sales contract and no title certificate is not recognized by the real estate registration department, and the bank will not support it with credit.
2. Affordable housing that has not been purchased for five years or has not yet obtained the listing qualification, like the above-mentioned small property houses, is not allowed to be listed and traded.
3. Some public houses with unclear property rights. Although most of the purchased public houses have been converted into personal property rights, there are still some public houses with unclear property rights in the market, mainly in the old city, and banks refuse to lend. When buying an old house, you must pay attention to looking for it. If such houses are involved, the transaction will be terminated.
4. Houses rebuilt in the old city. Because the archives of the old city reconstruction houses have been sealed by the housing management department, it is impossible to apply for mortgage registration, so the bank can't lend money.
5.* * * houses that the property owner does not agree to sell. A house involving a * * * property owner needs a contract between the property owner and the * * * property owner to apply for a loan normally. Therefore, we should pay special attention to the property rights of houses. If either party disagrees, not only can the house not be bought, but also the loan cannot be made.
Therefore, if property buyers need loans to buy a house, they must also clarify these conditions and requirements.
(The above answers were posted on 2016-11-22. Please refer to the actual situation for the current purchase policy. )
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