1. The property right of the purchased property should be clear, the property right certificate has been obtained, or the conditions for obtaining the certificate have been met, there is no property right dispute, and both the property owner and the house owner agree to sell the property.
2. The purchased property has perfect structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction and property management, and has normal occupancy conditions.
3. There are no barriers to the listing transaction policy, and you can handle the transfer transaction and formal mortgage registration, and you have the conditions to enter the real estate market, which is easy to realize and is not included in the demolition plan.
4. The house age of the purchased property shall not exceed 20 years, and the loan term plus the house age of the purchased property shall not exceed 40 years.
5. Meet other conditions stipulated by the agency.
The maximum loan/credit line shall not exceed 70% of the mortgaged value of the purchased property, and shall comply with the relevant regulations of the regulatory authorities and banks. If the policies of the regulatory authorities are adjusted, it shall be implemented according to the relevant regulations of the Bank and the regulatory authorities. The mortgage value shall be determined according to the principle that the present value of the mortgaged property is lower than the transaction price. For specific information about the corresponding amount of the loan, you can also confirm it in detail through the counter personal loan department when applying through the counter personal loan department.
Application materials generally required for applying for a loan:
1. Identity information: ID card, military officer's card, etc. ;
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ;
3. Use certificate: the original property right certificate of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the supervision fund entry certificate is enough);
4. Proof of repayment ability (provide one or more of the following):
(1) The income provided by the income certificate is basically consistent with its local industry, occupation and position, and the income level is sufficient to meet the repayment needs of customers, and the income certificate is provided;
(2) For self-employed individuals and customers whose income is significantly higher than that of the same position in the local industry, supplementary proof materials of repayment sources shall be provided. Including but not limited to: ① providing a running list or a reliable list of wages paid by banks for more than three consecutive months in the past year; (2) provide proof of holding shares of relevant institutions and proof of share dividend income; (3) Provide proof of family assets, including financial assets or non-financial assets.
(3) Our payroll customers can directly provide their payroll account flow, without the need for the unit to issue a separate income certificate;
(4) Customers who can provide social security account running water or personal tax bills do not need the unit to issue income certificates, and the Bank calculates the customer's income according to the relevant provisions of local social security account payment or tax policies;
If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
If you have any questions or comments, please log on to online customer service /cmu/icslogin.aspx? from = B& amp； Logincmu=0 for consultation, and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!