You don't understand.

Personal housing mortgage loan, first of all, is a person with full civil capacity, and has a stable source of income and repayment ability, and has signed a house sales contract, and used the house he bought as collateral.

The age of male loans is generally 60 years old, and the longest can be 65 years old.

Women are generally 50 years old and can reach 60 years old at the longest.

This kind of expansion is generally aimed at the personnel with senior professional titles and main technical and management skills in the unit. Under normal circumstances, such people may be civil servants and institutions.

It is not correct to give half of your salary to the bank. That is, your monthly repayment amount cannot be higher than half of your salary.

Second, how to mortgage personal housing.

Applying for bank mortgage loans is generally based on housing, which can not only increase the loan amount, but also improve the pass rate. How does that man mortgage his house? Today, Bian Xiao will introduce it to you.

1. loan application: the borrower submits the purpose, amount and time of the loan to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Preparation of loan materials: If it is a personal mortgage loan, you need to provide your and your spouse's ID card, household registration book, income certificate, corresponding personal consumption contract, marital status certificate and house ownership certificate.

3. House inspection and appraisal: After the bank submits the above materials, it will conduct on-the-spot investigation and appraisal of the mortgaged property according to the submitted materials. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.

4. Loan approval: submit all loan approval materials and evaluation reports or exploration evaluation opinions to the bank for approval. At this point, the loan customer must pay attention to preparing all materials. If there was a shortage at that time, it would affect the progress of the loan.

5. Notarization of loan contract: The borrower-level mortgagor shall fill in the loan contract and all relevant documents, sign and seal them, and notarize them by a notary.

6. Mortgage registration: The bank goes to Chaquan for mortgage registration with the house ownership certificate and notarized loan contract.

Third, the difference between housing loan and mortgage loan.

1, the loan uses are different: the house uses are different, and the loan is used to buy a house; Real estate mortgage loans are used for business operations.

2, the cost is different: the cost of housing mortgage loan and loan to buy a house is different, and loan to buy a house is also called personal housing loan and commercial loan. Mortgage refers to the use of collateral by borrowers.

3. Different subjects of legal relationship: mortgage loan and loan to buy a house have different subjects of legal relationship, and the mortgagor has two subjects of legal relationship, namely the mortgagee and the mortgagor. Buying a house by loan has at least three legal subjects, namely, the mortgagor (bank), the mortgagor (buyer) and the third party (original house owner).

4. Different loan interest rates: the loan interest rate of housing mortgage loan is different from that of housing loan, and the loan can also float or be executed at the benchmark interest rate; Real estate mortgage loans rose on the benchmark interest rate.

5. Different loan term: the loan term of housing mortgage loan is different from that of housing loan, and the mortgage loan term is 30 years; The term of real estate mortgage loan is 10 year.

6. Different loan information: The loan information required for housing mortgage loan and housing loan is different. When applying for mortgage loan, the borrower must provide proof of down payment, housing purchase contract, etc. To apply for real estate mortgage loan, the borrower needs to provide real estate license, state-owned land certificate and proof of loan use.

7. The loan policy is different from the loan to buy a house, and the property is more relaxed.

There is a process of buying a house with a loan.

1. Asking about the qualification of buying a house: Before going through the loan formalities, buyers should first know whether they meet the local purchase policy. Now many big cities have restrictions on buying a house, so you can buy a house locally. The purchase restriction policy is mainly aimed at some people who buy multiple suites, but they have not bought them themselves, but they still need specific consultation.

2. Determine the goal of buying a house: After determining that they meet the local qualifications for buying a house, buyers can start to look at the house and choose a house. The process of choosing a house means that you should not be afraid of trouble and hard work when renting a house. Only by spending more time can you avoid future regrets. Everyone has thought about what kind of house to buy, including this one, which can help them make a purchase plan in advance.

3. Prepare the loan: After the buyer selects the house, he can start preparing the loan. First of all, he should prepare the relevant information of the loan, and generally need to provide personal identity documents, marriage certificates, down payment for work preparation and deposits. If you meet a house that suits your heart when you are looking at the house, you usually need to pay a deposit for the purchase. After paying the down payment for a period of time, it is still needed.

4, pay the down payment to sign the contract: when buying a house and choosing a house, the down payment has been paid and is being paid. The general down payment will also involve signing a house purchase contract. I believe everyone must pay attention to the contents of the contract when paying the down payment. The internal price, building, floor, unit and account number in the house purchase contract. In addition, according to different situations, both parties can negotiate and sign a supplementary agreement.

5. Go through the loan formalities: The formalities related to the house are almost finished. Buyers will start to go to the loan bank to apply for a loan. There will usually be a special credit specialist to receive you. During this period, you need to sign a loan contract. The buyer should also pay attention to the contents of the contract. In addition, there are two ways of mortgage loans: provident fund loans and commercial loans, and buyers can choose according to their own specific conditions.