2. A China citizen who has a fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.
3. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule.
4. Have a good credit record and willingness to repay, and no bad credit record.
5. It can provide legal, effective and reliable guarantees recognized by banks.
6. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.
7. Other conditions stipulated by the bank.
What should I pay attention to when buying a house?
1, look at property rights: I believe that everyone wants to buy a big property house and successfully win the house. Therefore, some houses with unclear ownership and unresolved property rights disputes must be treated with caution when purchasing. Some houses with low prices and unclear property rights should be avoided as much as possible, especially novices who have no experience in buying houses.
2. Look at the quality: Now the real estate market all over the country is booming, and developers of all sizes are emerging one after another, and the buildings under construction are also varied. At this time, we need to pay special attention to the quality of real estate. Don't trust any propaganda and explanation easily. When you look at the house, you must go to the scene to check the construction quality of the house. If it is an auction house with nothing, I suggest you be cautious.
3. Looking at the house: mainly look at the floor, orientation, layout and structure of the house. A house with a good floor, orientation and layout is definitely satisfactory, and these factors also have an important impact on house prices. Property buyers in the house, but also to see whether some indoor infrastructure is perfect, such as indoor decoration, telephone lines, air conditioning power cord, TV receiving common antenna, pipes, water supply and drainage pipes, heating pipes and so on.
4. Look at the location: Some people say that buying a house is actually buying a lot. It can be seen that a good location is important to the house. The location of the house will affect the convenience of life. Some plots that are relatively remote at present but ready to be developed vigorously have a lot of space. If you need to move into a new house immediately, choose an area with high development level, convenient commuting, beautiful greening and perfect living service facilities.
5, look at the environment: environmental factors are very important, I believe no one will want to live in a room full of environmental pollution. When choosing a house, buyers must pay attention to whether there are air pollution sources, water pollution sources and light pollution sources around them.
6. Look at the contract: When signing a contract with the developer, you must understand that it is not what the developer said. The contract should clearly stipulate the time limit for performance, the liability for breach of contract and the compensation method, so as to prevent the developer from delaying the delivery of the house due to various problems and avoid disputes arising from compensation for breach of contract.