First, the full housing mortgage loan application conditions:
The lender is a natural person with full civil capacity, good credit, stable income and the ability to repay the loan principal and interest on schedule.
Second, the loan amount:
With personal housing mortgage loan, the maximum loan amount can reach 80% of the housing value; Personal commercial housing (shops, office buildings) is mortgaged, and the maximum loan amount can reach 60% of the value of the commercial housing.
Three. Loan term:
For the purpose of buying a house, the loan period can be up to 30 years; For car purchase, decoration, education, large consumption and other purposes, the longest loan period can reach 10 year.
Fourth, the loan interest rate:
Implement the benchmark loan interest rate stipulated by the People's Bank of China or float appropriately. Repayment method: if the loan term is within 1 year (inclusive), the repayment method of monthly interest payment, quarterly repayment or one-time principal repayment shall be adopted; If the loan term exceeds 1 year, the principal and interest shall be repaid monthly.
V. Whole House Mortgage Loan Process:
1. The borrower applies and submits relevant materials.
2. Conduct real estate appraisal and pre-loan investigation and approval.
3. Pass the examination and approval and go through the mortgage registration formalities.
4. When issuing the loan, the borrower will repay the loan principal and interest regularly according to the contract.
5. Settle the loan principal and interest and recover the mortgaged house.
Information required for intransitive verb loan:
1. Personal identification, household registration book, proof of residential address and proof of marital status.
2. Personal income certificate or asset status certificate.
3. Proof of property right of the mortgaged house.
If the applicant mortgages other people's property, it is also required to provide the identity card of the property owner (including the owner of * * *), proof of marital status and written proof of consent to mortgage. I hope my answer can help you!