Now it has entered the era of advanced consumption, and the current house price is already very high, so housing loans have become an indispensable choice for people. What is the housing loan amount of ABC and what are the loan requirements?

What is the housing loan amount of ABC?

Amount: The maximum loan amount shall not exceed 80% of the transaction price of the purchased house.

Loan term: the longest loan term shall not exceed 30 years;

Interest rate: The loan interest rate can be lowered by 65,438+05% based on the benchmark interest rate of loans of the same grade in the same period according to the regulations of the People's Bank of China. The loan interest rate can be locked by fixed interest rate, floating interest rate or fixed plus floating interest rate (mixed interest rate) to avoid repayment pressure caused by interest rate increase;

Loan terms:

1, with full capacity for civil conduct and legal and valid identity documents;

2. Have the ability to repay the loan principal and interest;

3. Good credit status;

4. A legal and effective house sales contract has been signed, and the house purchased is for residential purposes;

5, there is no less than the minimum required proportion of the first payment certificate;

6. Set mortgage guarantee for the purchased house in principle;

7. Other conditions stipulated by the Agricultural Bank.