Bank loans to buy a house need to meet the following conditions:

1. The borrower holds valid identity documents;

2. The borrower has stable professional and economic income, good personal credit and the ability to repay on schedule;

3. The borrower has self-raised funds to pay the down payment of the purchased property;

4. The lender has assets recognized by the bank as mortgage or pledge.

The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.

Article 11 of the Interim Measures for the Administration of Personal Loans

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

What are the procedures for buying a house and getting a loan from the bank?

What are the procedures for buying a house and getting a loan from the bank?

Lenders bring relevant information to the bank for loan procedures, and bank staff will review the information of lenders. Lenders who meet the basic conditions can go through the preliminary procedures, including loan application, repayment statement, commitment letter, loan contract, IOU, etc. Then the buyer opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval.

What should I pay attention to when buying a house with a loan?

1, apply for a mortgage and do what you can.

Some people think that the bigger the loan, the better, but this is not the case. Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.

2. Prepare loan information in advance.

Copy of ID card, copy of household registration book, copy of marriage certificate or single certificate, copy of income certificate and bank account, copy of house purchase contract and down payment invoice, social security related certificates, etc. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.

Step 3 provide real information

If the loan buyers provide false materials to the bank, it may have a serious impact, but it may affect the bank's audit, unable to issue loans and unable to realize their dream of living. What's more, it may be because individuals provide false materials, which leads to the inability to apply for loans, which leads developers to require buyers to bear the liability for breach of contract for overdue delivery of mortgage materials and pre-sale contracts of commercial housing, and pay a considerable amount of liquidated damages.

4. Clear the repayment method in advance.

At present, there are two main repayment methods for bank loans to buy a house, namely equal principal and interest and average principal. Although there is little interest in the average capital, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small, so you can choose the appropriate repayment method based on your own situation.

5. Don't use the provident fund before applying for a loan.

If the borrower withdraws the balance of the provident fund before the loan, the balance of the provident fund in his provident fund account will become 0, and the amount of the provident fund loan will become 0. In other words, you can't successfully apply for provident fund loans at this time.

What are the procedures for buying a house with a bank loan?

To apply for a personal first-hand housing loan in Bank of China, you need to submit the following materials:

1, loan application;

2. Legal and valid identity documents;

3. Proof of marital status;

4. Proof that the down payment of the purchased house has been paid;

5. Proof of economic income recognized by the lender;

6, the purchase of housing contracts, agreements or other valid documents;

7. List of collateral (pledge) secured by the loan, certificate of ownership, certificate of consent of the person who has the right to dispose of the collateral (pledge) and collateral valuation documents;

8. The written documents and credit certificate of the guarantor's agreement to provide guarantee for him;

9. Authorize the lender to inquire about the personal credit information system of the People's Bank of China and record the relevant documents of the inquiry results.

As there are differences in policies and requirements for handling loans in different regions, please consult the local China Bank outlets in detail.

The above contents are for your reference. Please refer to the actual business regulations.

What are the conditions for bank mortgage loan?

Bank housing mortgage loan requirements are as follows:

1. The mortgaged house should have obtained the house ownership certificate, and the mortgaged house must have clear property rights.

2. The borrower has complete disposition right and can register the mortgage;

3. The mortgagor must use the full value of the mortgaged house for loan mortgage;

4. The house can be legally listed and traded, and it is easy to realize. There is no such thing as:

5, dilapidated houses, illegal buildings or have been included in the scope of demolition; Property rights disputes;

6. The mortgage has been set; Has been leased to others and the property owner fails to notify the lessee in accordance with the provisions, which damages the interests of the lessee;

7. It is sealed up according to law or restricted in other forms.

8, stable work

In the case of collateral as a guarantee, the bank will lower the loan threshold, but it will still require the borrower to work in the current unit for half a year, which means that he must have a stable job.

Extended data:

Housing mortgage loan process:

1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower.

The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.