What conditions do you need to meet for a house loan?
1. The lender must be a natural person who is at least 18 years old, has full capacity for civil conduct, and has the capacity for responsibility, and must have a permanent residence in the town; 2. Have stable income and repayment ability; 3. The applicant must have its own funds accounting for 20% of the total purchase price; 4. The purchased house is not within the scope of demolition; 5. The Lender agrees to use the purchased house as collateral.
What should I pay attention to when buying a house for the first time?
Step 1: Preparation before loan
When making a mortgage loan, the bank will check the lender's bank account, so before buying a house, you should first make a beautiful account and let the bank check your fund transfer record.
Step 2: Don't change jobs frequently before buying a house.
As we all know, mortgage loans must have a stable income, so it is best for lenders not to change jobs frequently, otherwise it will also make it difficult to approve loans.
Step 3: Submit the true information.
When making a loan, the information filled in by an individual is very important. The bank will strictly examine the identity of the lender. If the information is found to be false, the bank will refuse the loan. Therefore, the applicant must fill in the true information.
Step 4: Apply for an integer loan
Banks are generally integer loans, so it is easier to get the approval of banks, so it is best to choose integer loans if conditions permit.
Step 5: notify the bank of personal changes.
During the loan application period, if the personal situation of the lender changes, you must inform the bank in advance so as not to affect the loan approval.
Bian Xiao concluded: The above is the question of what conditions should be satisfied by the housing loan. I believe everyone understands! Bian Xiao would like to remind everyone here that if you want to borrow money, you must ensure that your credit information is good, otherwise it will affect the loan.