1. Buyers need to go to the bank to understand the relevant situation and apply for personal housing loans based on relevant information.

2. The bank will review the buyers and determine the loan amount.

3. The loan contract shall be insured by the bank, and the property right mortgage shall be registered and notarized.

4. For bank loans, the borrower cancels the registration after paying off the principal and interest every month.

3. Handling housing loan information

① Hukou book

② Marriage certificate

③ ID card

④ proof of income

⑤ Bank running water

⑥ Purchase contract (if married, provide information of both husband and wife)

Second, the loan to buy a house conditions:

1, has a stable economic income, has the ability to repay the loan principal and interest, and has legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

2. Ensure that the self-raised funds of more than 30% of the total price of the purchased house are used to pay the down payment of the purchased house.

3. Legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors with assets recognized by the loan bank as collateral.

Extended data:

I. Calculation of interest rate

1, monthly repayment amount = monthly principal+monthly principal and interest

2. Monthly principal = principal/repayment months

3. Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate.

4. Calculation principle of average capital interest rate.

The principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.

Second, the mortgage method

1, personal housing entrusted loan

2. Personal housing loan.

3. Individual housing portfolio loans

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