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What qualifications do you need to buy a house and mortgage in Guangzhou?
Eligibility to buy a house and mortgage in Guangzhou

1, a natural person with full civil capacity, stable economic income and loan repayment ability, and good personal credit status;

2. The borrower and the unit have established the housing provident fund system, and the housing provident fund has been paid in full at the time of loan for not less than the specified time, and the housing provident fund loan has not occurred or has been paid off in full;

3. There is a legal purchase contract or agreement, and the borrower shall be the property owner agreed in the purchase contract. The purchased houses are newly-built commercial houses, affordable housing, units raising funds to build houses, resettlement houses for shantytown renovation, existing commercial houses (second-hand houses), self-built houses built by employees, renovated houses, and overhauled self-occupied houses. (excluding commercial housing, villas, low-density housing, etc.). ) within the administrative area of this Municipality;

4. The down payment of the purchased house that has been delivered shall not be less than the prescribed proportion;

5. If it is agreed that the purchased house or other real estate recognized by the provident fund center can be used as collateral, or movable property or rights can be used as pledge, the unit that sells the purchased house shall provide installment loan guarantee for its purchase of new commercial housing loans.