Conditions that CCB needs to meet when buying a house with mortgage loan:
1. The borrower has a local account at the location of CCB or has purchased social security locally for more than one year;
2. The borrower's income in the place where CCB is located is stable;
3. The income meets the requirements stipulated by CCB, and the general requirement is more than 2 times of the monthly payment;
4. The borrower has good credit;
5. Other conditions stipulated by the local Construction Bank.
For couples, applying for a mortgage loan from CCB requires the following procedures:
1. ID cards of both husband and wife (new ID cards are required, and 3 original household registration certificates with photos are required if there is no ID card).
2. Marriage certificate (consistent with ID name, ID number and age)
3. Household registration book (household registration book, index book and personal book must be typed by machine, not by hand).
4. Proof of income of both husband and wife (true). In addition to the administrative institutions do not need to provide my own bank history details, other units must provide at least three months of card history details.
5. If you have a business license and a tax registration certificate (with the original and a tax bill for at least 3 consecutive months).
6. Nine purchase contracts, bank bills and down payment receipts (the receipt date is on or before the contract date).
7 single, single certificate issued by the county civil affairs department (3 originals), single certificate date should be after the signing of the contract.
8. You also need to go to the real estate registration department to issue the first suite or house certificate (if the child in the household registration book is underage, you must also open the child's name and ID number. )
9. 40% down payment for the first house and 60% down payment for the second house; 60% down payment for commercial housing. Hukou can be done in Heze city, but not outside Heze city.
10, the annualized interest rate of the first set of housing implementation benchmarks is expected to rise by 20%, and the annualized interest rate of the second set of housing implementation benchmarks is expected to rise by 30%; The implementation benchmark of commercial housing is expected to increase the annualized interest rate by 40%.
1 1. Housing loan age 18-65 years old (loan age plus loan period shall not exceed 65 years old).
12. The loan age of commercial housing is 18-65 years old (the loan age plus loan period shall not exceed 65 years old).
13. Provide a copy of the lender's CCB card, and open online banking and SMS.
14. Both husband and wife must be present when the bank signs.
Different banks may have different application conditions and procedures for mortgage loans to buy a house, and the application conditions of the same bank may also be adjusted. Want to apply for a mortgage loan to buy a house, or in accordance with the provisions of CCB. In addition, borrowers should make repayment plans in advance to avoid the situation that overdue repayment affects personal credit records.