Bank of China provides personal first-hand housing loans. Personal first-hand housing loan is a commercial RMB loan that uses bank credit funds to buy first-hand housing. The main loan conditions include: 1, permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for specific conditions); 2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan; 3, has signed a contract or agreement to buy housing; 4. Must pay the down payment of the purchased house that meets the requirements of relevant regulations; 5. Provide effective guarantee recognized by Bank of China; 6. Other conditions stipulated by the Bank of China.
The longest term of RMB personal housing loan shall not exceed 30 years. Bank of China will comprehensively consider your financial situation, age, mortgage, pledge and other factors.
Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
The mortgage has not been paid off, can I still borrow money to buy a house?
1, down payment According to bank regulations, borrowers who apply for a second home loan must pay a down payment of not less than 60% of the purchased house price, and some areas require that the down payment ratio of the second home loan be not less than 70%.
2. Interest The interest on the second home loan is calculated according to the borrower's loan amount, loan term, loan interest rate and repayment method. Among them, the loan interest rate directly affects the amount of mortgage interest expenditure.
3. Mortgage registration fee Customers who apply for a second home loan must agree to mortgage the houses purchased under their names. If the bank has not repaid the loan, he can refinance the loan to buy a house, provided that the previous loan is repaid on time. There are many kinds of mortgage loans, taking the most common mortgage loans as an example. Conditions for mortgage to buy a house: (1) The conditions required by the borrower are 1. A natural person aged 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed); 2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule; 3. The borrower's actual age plus the loan application period shall not exceed 70 years old. (2) Information to be provided: 1, three copies of the ID card of the applicant and spouse, and the original and copy of the household registration book (if the applicant and spouse are not in the same household registration, a marriage certificate shall be attached); 2. The original purchase agreement; 3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price; 4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ; 5. The developer's collection account number is 1 copy. (3) The information that the borrower should provide is 1. Husband and wife's ID card, household registration book/temporary residence permit, and foreigner's household registration book; Two copies of marriage certificate/divorce certificate or judgment/single certificate; 3 proof of income (in the format stipulated by the bank); 4. Copy of the business license of the unit (with official seal); 5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc. 6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
I would like to ask if the bank can still borrow money to buy a house.
1, banks can also borrow money to buy a house. If there is a loan in the bank before, you can borrow again to buy a house, provided that the previous loan is repaid on time. There are many kinds of mortgage loans, taking the most common mortgage loans as an example.
2. Personal housing mortgage loan refers to a form of consumer loan in which the borrower takes the purchased house (existing house or auction house, which must be a multi-storey house and a high-rise house with the main structure capped) as the mortgage, and the bank provides loans for the insufficient part of the house after the down payment.