Basically, it's ok Did you buy a first-hand housing loan or a second-hand housing loan, a commercial loan or a provident fund loan? The maximum loan amount for a first-hand house is 70% of the property value, and that for a second-hand house is about 50%. In other words, the first-hand housing loan down payment needs at least 30%, the second-hand housing down payment needs more than 50%, and some banks need about 60%. Commercial loans to buy a house, the interest rate of less than five years is 6.9%, and the interest rate of more than five years is 7.05%. The interest rate of housing provident fund loans for more than five years is 4.9%. You haven't made it clear yet. I just need to tell you the terms of the first-hand house mortgage loan:

(1) Having legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

(2) Having a good credit record and willingness to repay;

(three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(4) the contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses;

(5) Being able to pay the down payment of the purchased house;

(6) Opening a personal settlement account in a bank;

(7) Effective guarantee recognized by the lender;

References:

/Share/Details /43034544