Commercial loans to buy a house can not only buy a new commercial house, but also buy a second-hand house. The conditions for buying a house with a commercial loan are as follows:

1. The loan object is a natural person with full civil capacity.

2. Having urban permanent residence or valid residence status requires the borrower to have legal status.

3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

4. There are some differences in down payment requirements among banks.

5. There are assets recognized by the lender as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the principal and interest of the loan and bear joint and several liabilities.

6. There is a purchase contract or agreement.

7. When applying for a loan, the bank has a second-hand housing mortgage loan of not less than 20% of the funds needed for buying a house. If the house payment has been paid to the seller in advance, the original and photocopy of the loan payment receipt shall be provided.

Second,

3. What conditions do commercial loans need to meet when buying a house in Chengdu _

In line with the local housing policy, the age plus loan period is not more than 70 years old. At the same time, you need to provide proof of use, proof of identity, proof of income, etc. , and contact a loan manager for consultation.

If you apply for a first-hand property loan and have a cooperative relationship with our bank, if so, you can directly contact the resident staff of the property and give the information to the staff. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying. To apply for a first-hand property loan, the following application materials are generally required: 1. Identification materials: ID card, military officer's card, etc. ; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Proof of use: house purchase contract, house purchase contract and down payment receipt confirmed by the seller (only use the supervision fund entry certificate); You need to provide other information about this loan, and the handling bank will inform you in time. It can also be confirmed in detail by the handling bank when applying for a loan.

4. What conditions do Chengdu businessmen need to meet when they change jobs?

1. The original commercial loan must be repaid normally for more than 1 year, and there is no record of overdue repayment.

2. If the housing provident fund has been withdrawn, the housing provident fund must be continuously and normally deposited 1 year or more from the date of withdrawal.

3, for housing provident fund loans, must be registered in the city capital center of formal and legal residential development projects.

4. The transfer of provident fund loans must obtain the consent of the original commercial loan bank.