Is there any discount for buying a house with an individual business license loan?

Whether there is a discount for buying a house with an individual business license loan mainly depends on local policies, which are different in each place. However, in most cities, individual business license loans to buy a house are no different from ordinary personal loans to buy a house. The preferential treatment enjoyed is the same, except that the down payment ratio and loan interest rate are discounted for the first home.

1. When applying for a housing loan, self-employed individuals need to meet the following conditions:

(1) Have a legal and valid identity

(2) Have A natural person with full civil capacity and no bad credit record.

(3) The borrower is between 18 and 65 years old, and the loan period applied for by people of different ages will be different.

(4) You must have a stable and legal source of income and be able to provide corresponding proof of income or assets.

(5) Sign a valid house purchase contract or house purchase agreement with the seller.

(6) Paid a specified proportion of down payment (generally no less than 30% of the total price of the house purchased) or deposited a deposit of no less than the down payment in a lending bank.

(7) Other conditions stipulated by the lending bank.

2. In addition, if an individual industrial and commercial owner applies for a guaranteed loan, in addition to the above information, he or she must also submit the original and copy of the individual industrial and commercial business license, capital verification report, and recent tax payment certificate. pieces.