Application conditions

1, 18 to 60, a natural person with full capacity for civil conduct;

2. Have a stable occupation and income, good credit and repayment ability;

3. Other conditions stipulated by the bank.

Personal real estate mortgage loan application materials

1, identification

2. Household registration book

3. Marriage certificate

4. Proof of income

5. Property certificate and evaluation report of mortgaged property.

6. Proof of loan use

7. Other information stipulated by the bank.

Loan process

1. Prepare materials, including husband and wife ID cards, household registration books, marriage certificates, real estate licenses, purchase contracts or invoices, and bank statements of personal accounts in the last six months.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

The proportion, term and interest rate of personal housing mortgage loan

The loan amount is determined according to the different loan purposes selected, but generally it does not exceed 60% of the assessed net value of mortgaged real estate; The fixed number of years is generally not more than 20 years; The loan interest rate is subject to the provisions of the People's Bank of China on personal consumption loans.