If you need to apply for a personal first-hand housing loan, you must meet the following conditions:

1. Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details);

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Must pay the down payment of the purchased house that meets the requirements of relevant regulations;

5. Provide effective guarantee recognized by the lender, etc.

To apply for a personal first-hand housing loan, you need to submit the following information:

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.

How do individuals borrow money to buy a house?

1. Housing provident fund loan: For residents who have already paid the housing provident fund, they should get a low-interest housing provident fund loan when they borrow to buy a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period.

2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.

As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan.

3. Personal housing portfolio loan: The provident fund loan that can be issued for housing provident fund management is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

Extended data

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides the documents that must be submitted according to legal documents such as ID card, income certificate, house sales contract and guarantee. , the bank has passed the examination.

Promise to issue loans to buyers, and handle real estate mortgage registration and notarization according to the house sales contract provided by buyers and the mortgage loan contract concluded between banks and buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132

2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. The staff of a branch in Chaoyang District of Industrial Bank said that the current notice of the branch is that the interest rate of the first home loan will rise by 10% on the basis of the benchmark probability. "The interest rates of other outlets are unclear.