/kloc-a natural person aged 0/8-65;
Have a valid ID card;
Good credit information and no bad records;
Have a stable job and a stable income;
Commercial housing sales contract or letter of intent with the purchased house;
Have the ability to pay the down payment of the purchased house;
Open a personal settlement account in a bank with effective guarantee;
Other conditions stipulated by the bank.
Mortgage to buy a house process:
Choose real estate;
Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
Apply for mortgage loan;
Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will be issued with a loan consent notice or a mortgage loan commitment letter;
Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;
Sign a house mortgage contract. Clarify the rights and obligations such as the amount, term, interest rate and repayment method of mortgage loan;
Handle mortgage registration and insurance. Usually, due to the relatively long term of mortgage loans, banks require buyers to apply for life and property insurance to prevent loan risks;
Open a special repayment account;
After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;
The borrower repays the loan regularly according to the contract.