Individuals pay a certain down payment when buying a house or commercial house with the seller's property right certificate and can be traded in the market, and apply for loans from relevant financial institutions (banks or other non-bank financial companies) with the remaining property to be purchased as collateral.
The loan term shall not exceed 30 years, and the sum of the loan term and the borrower's age shall not exceed 65 years.
Application conditions:
1. Legal identity certificate of the borrower;
2, the borrower's economic income certificate or occupation certificate;
3. The account book of the borrower;
4. Borrowers with spouses need to provide proof of husband-wife relationship;
5. If * * * is the same as the borrower, it is required to provide a written commitment signed by all parties of the borrower to clarify the repayment responsibility;
6, the purchase of second-hand housing property certificate;
7. The house sales contract signed with the seller and the transfer account provided by the seller;
8. If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender;
9. The property right of the purchased house * * * A written authorization document that someone agrees to sell the house;
10. Other documents or materials required by the lender.
Application materials:
Information to be provided by the Buyer:
1, ID card (husband and wife), temporary residence permit (migrant population);
2. Household registration book (both husband and wife);
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate);
4. Proof of income or solvency (issued by the company);
5. A copy of the business license stamped with the official seal of the employer (presented by the employer);
6. Certificate of academic qualifications (provided by junior college or above);
7. Current passbook of the applicant's loan bank;
8. Other materials required by the bank;
Information to be provided by the seller:
1, ID card (husband and wife) and temporary residence permit Foreign population (foreign population);
2. Household registration book (both husband and wife);
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate);
4. Proof that the spouse and * * * agree to sell (fixed format);
5. Real estate license;
6. For the sale of purchased public houses, delivered houses in the center, affordable houses and relocated houses, the original purchase contract, agreement and relevant approval documents shall be provided;
7. Other materials required by the bank.