First, the loan target individual purchase housing loan target should be a natural person with full capacity for civil conduct. II. Basic loan conditions 1. Have permanent residence in cities and towns or valid residence status; 2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule; 3. There are assets recognized by the bank as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities; 4. There is a purchase contract or agreement, and the price of the purchased house basically conforms to the evaluation value of the real estate appraisal agency entrusted by the bank or the bank; 5. Other conditions stipulated by the bank. Three. Loan Amount The amount of personal housing loan issued by the bank shall not be higher than 80% of the value of the house purchased or the actual total purchase cost assessed by the real estate appraisal agency (whichever is lower). Four, the longest loan period is not more than thirty years. V. Information to be provided When applying for a loan, you should fill in the Approval Form for Personal Housing Loan Application of XX Bank and submit the following documents to the bank: 1. Proof of identity (resident identity card, household registration book or other valid proof of residence); 2. Proof of loan income or solvency issued by the authorized department of the bank; 3. Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; 4. The down payment certificate issued by the developer; 5. List of mortgaged property or pledged property, certificate of ownership, certificate of consent of authorized disposition, certificate of pledge, and certificate of appraisal of mortgaged property; 6. The guarantor agrees to provide a written guarantee document and a credit certificate of the guarantor; 7. Self-financing with savings deposits requires bank deposit certificates; 8. If the provident fund is used for self-financing, it is necessary to provide proof that the housing provident fund management department has approved the use of provident fund deposits; 9. Other documents or materials required by the bank.
Second, what conditions do Qinhuangdao rural areas need?
As long as someone in the bank doesn't need any conditions, the check will serve as a support. . I've experienced it myself.
3. What are the personal conditions of the major banks in Qinhuangdao?
You can apply for a personal credit loan. The loan amount and interest rate depend on your personal credit and other factors.
You can apply for the loan service of Easy Loan China online.
Yixin personal credit loan, that is, personal unsecured and unsecured credit loan, is a popular loan product customized by Yixin China for individuals with loan needs all over the country. This product is deeply loved by customers because of its limited application scope and flexible combination of loan term, interest rate and repayment method. Customers who apply for "personal credit easy loan" will also enjoy "zero handling fee" service and free professional loan feasibility evaluation service.
If you are short of money, you can easily get a loan from China, so as to avoid the embarrassment of borrowing money!
1. You can also borrow several thousand yuan-to solve the problem of your small money!
The term is the most flexible-you are not allowed to pay more interest!
3. The most intimate service-free assessment of your chances of getting a loan!
4. The fastest loan-prepare all the information and lend money within 7 working days!
Application conditions
1. has a stable income.
2. Personal credit record is good.
3. You can provide proof of residence, proof of income and proof of work (you can also provide a guarantor).
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