The lender must meet the following conditions at the same time:

(1) has legal status;

(two) a stable economic income, good credit and the ability to repay the principal and interest of the loan;

(3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

(4) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;

(5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;

Materials to be submitted when applying for a loan:

(1) individual housing loan application;

(2) Copy of identity documents (resident identity card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents);

(3) The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank;

(4) Legal house purchase (overhaul) contracts, agreements and relevant approval documents;

(5) List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by an evaluation agency recognized by the loan bank;

(6) The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;

(7) The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank;

(8) Relevant certificates of self-raised funds used by the borrower to purchase (overhaul) the house;

(9) House sales (pre-sale) license or the property ownership certificate of the building (existing house) (copy);

(10) If the borrower's spouse and * * * both apply for a loan, they should clearly fill in the relevant information of the spouse in the loan application form, and show their marriage certificate and household registration book;

(1 1) Other documents and materials required by the lending bank.

What are the commercial loan terms of the bank?

Commercial loan terms: 1. Beijing urban residents with full capacity for civil conduct, nonlocal residents with the right of abode in Beijing, overseas and foreign citizens must meet the following conditions when applying for loans: 2. Have legal residence status; 3. Have a stable occupation and income; 4. Have the ability to repay the loan principal and interest on schedule; 5. There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions for their guarantee; 6. There is a contract or agreement for the purchase of housing; 7. When applying for a loan, there is a deposit of not less than 30% of the funds required for house purchase in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required; 8. Other conditions stipulated by the lending bank. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Materials required for loan:

My household registration book, ID card or other valid proof of residence;

Proof of occupation and income;

House purchase contract or letter of intent and other relevant certification materials.

Proof of down payment accounting for 30% of the house price;

Other materials required by the agency of China Construction Bank.

Loan procedures: 1. The handling agency of CCB or the law firm (or notary office) entrusted by CCB will investigate the information provided by the borrower. 2. The CCB agency examines and approves the borrower's application. 3. The borrower opens an account, obtains a savings card and signs a loan contract. 4. Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. 5. The loan contract takes effect and the funds are transferred to the developer's account.

What are the commercial loan terms? Divided into basic conditions and other conditions.

There are many types of commercial loans, such as unsecured and unsecured pure credit consumer loans, personal housing loans, commercial loans and so on. Different loan types will have different loan conditions. So, what are the commercial loan terms? We can't generalize, but we can talk about it in general and look down together.

What are the commercial loan terms?

First, the basic conditions of commercial loans

1, age 18, with full capacity for civil conduct;

2. Personal credit is good, and there is no major bad record in credit investigation;

3. Have legal and valid identity documents and household registration certificates;

4. Have a good willingness to repay, a stable source of income, and the ability to repay the loan principal and interest on time.

Two. Other conditions for commercial loans.

1, provide a marriage certificate, provide a marriage certificate for married people, and indicate that unmarried people are single;

2. Provide materials required for mortgage application, such as purchase contract, down payment certificate, bank card flow, etc.

3. Operating loans need to have industrial and commercial business licenses, fixed business premises, normal current operations and other related conditions;

4. Mortgage guarantee needs to provide collateral, such as real estate and vehicles;

5. Provide pledges for financing needs, such as time deposit certificates, financing, insurance policies, funds, bonds and other financing projects.

6. Other conditions stipulated by commercial banks.

The maximum amount of general credit consumption loans is several hundred thousand, which is lower than mortgage loans. Depending on the value of collateral, mortgage loans can be millions or even tens of millions, and the loan period is longer. For example, mortgage loans can be borrowed for up to 30 years.

The above is about "what are the commercial loan conditions?" I hope I can help you.

What are the terms of a commercial loan?

Commercial loans, also known as individual housing loans, allow urban residents to apply for commercial loans from banks when buying a house.

The application conditions for commercial loans mainly include:

1. The applicant should be between 18 and 65 years old.

2. The object of commercial loans is urban residents, so the applicant must have a permanent residence in the town or a valid residence status.

3. The applicant must have a legal and stable job and income, and can provide proof of work and income to prove that he has the ability to repay the loan principal and interest on schedule.

4. Need to provide a house purchase contract, agreement or letter of intent.

5. Need to provide proof that the down payment accounts for at least 30% of the house price. But different banks may have different requirements for down payment.

6. The applicant must have assets recognized by the lender as collateral or pledge, or have a guarantee recognized by the lender.

7. Personal credit should be good, and bad credit records are not allowed on personal credit records.

8. In addition to the above conditions, the lending bank may stipulate other conditions, depending on the bank you are lending.