What materials do you need to buy a villa mortgage loan in Chaoyang District?
1. To buy a villa in Chaoyang District and apply for a mortgage loan, you need to provide three copies of the applicant's and spouse's ID cards, 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 is required).
2. The original purchase agreement; 1 Original and photocopy of advance payment receipt for 30% or more of the house price; 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. ; The developer's collection account number is 1.
3. Mortgage loan conditions: age 18-65 years old, with full capacity for civil conduct; Pay a down payment; Have a stable legal income and the ability to repay interest; The Borrower agrees to use the purchased house and its rights and interests as collateral; The purchased second-hand houses have clear property rights and meet the requirements of the municipal government to enter the real estate market; The purchased house is not within the scope of the demolition announcement.
What is the amount of mortgage loan for villas in Chaoyang District?
1. The amount of mortgage loan for villas in Chaoyang District is generally around 50-60%. The process of mortgage loan: the lender prepares relevant materials, fills in the loan application form at the bank and submits the materials.
2. After receiving the application, the loan bank shall confirm and review the information; After the audit, the loan bank contacts the lender and signs the relevant contract; For bank loans, the lender shall fulfill the repayment obligation.
3. If the house type in the villa's real estate license is marked as residential, the loan period can be 1-30 years. In addition, because the villa belongs to high-grade property, it is different from ordinary loan product housing. In terms of loan interest rate, it is difficult to enjoy preferential interest rate.
Friends in Chaoyang District, Beijing must pay attention to the specific handling methods when handling villa mortgage loans, which can also ensure the smooth handling process of villas. The above is the information about Bian Xiao's mortgage loan for buying a villa in Chaoyang District. What is the quota? I hope it will help and inspire friends in Chaoyang District.