What are the conditions for buying a house loan?

1, housing loans need to have legal resident status; To apply for a policy-based personal housing loan, you should have a local permanent residence.

2. Buying a house loan requires a stable occupation and income.

3. Buying a house loan requires the ability to repay the principal and interest of the loan on schedule.

4 housing loans need to be mortgaged or pledged by assets recognized by the loan bank, or (and) guaranteed by a guarantor who meets the prescribed conditions.

5. A house purchase loan requires a house purchase contract or agreement.

6. When applying for a housing loan, if you have no less than 30% deposit in the bank for the purchase of housing and apply for a policy-based personal housing loan, you should deposit the housing provident fund into the Construction Bank according to the regulations.

7. Other conditions stipulated by the lending bank.

Materials needed for loan to buy a house:

1, loan application form.

2. Subscription agreement or sales contract.

3. identification.

Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards and home visits. If you work in Shanghai, you need to provide a work permit.

Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located. If you work in Shanghai, you only need to provide a marriage certificate issued by the Shanghai company.

Credit certificate refers to the annual family financial report, stock trading list and government tax bill of the accounting firm in the country where the foreigner is located. If you work in Shanghai, you only need to provide proof of the company's income in Shanghai.

4 proof of income (including tax bill, bank deposit record and employer's confirmation).

What are the conditions for housing loan? What are the conditions for housing loan?

Not everyone can get a loan to buy a house. Only when certain conditions are met can we get a housing loan. What are the conditions for a house loan? Housing loan requirements are as follows:

1, age 18-60, with full capacity for civil conduct, permanent residence of urban residents or valid proof of residence; Use of the loan: It is used to support individuals to buy and overhaul houses in Chinese mainland towns. At present, its main products are personal housing loans with mortgage and installment guarantee, commonly known as "personal housing mortgage loans".

Loan target:

China citizens with full capacity for civil conduct, Hong Kong, Macao and Taiwan natural persons with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.

2. It has legal status, stable income, good credit, the ability to repay the principal and interest of the loan, legal and effective contracts and agreements for the purchase and overhaul of housing and other supporting documents required by the loan bank, and the self-raised funds reach more than 20% of the total price of the purchased (overhauled) housing.

Guarantee the down payment of the purchased (overhauled) house, mortgage or pledge the assets recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor, and other conditions stipulated by the loan bank.

3. The loan amount is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower); Loan term: generally not more than 30 years. Loan interest rate: if the loan term is less than 5 years (including 5 years), the annual interest rate of the loan is 4.77%; If the loan term is more than 5 years, the annual interest rate of the loan is 5.04% (according to the actual situation of the local government).

The above is the relevant content about housing loan, I hope it will help everyone!

What are the procedures for real estate license loan? Many people may borrow money because they have their own careers, but for the sake of capital turnover. But the loan is not a simple matter, and it needs a lot of procedures. But if you bring a large amount, you can use the real estate license as collateral. So what are the procedures for real estate license loans? These are all questions that everyone really wants to know. Next, Qijia. Bian Xiao will introduce you to the procedures for handling real estate license loans.

What are the procedures for real estate license loan?

First, the bank needs to evaluate the house, and then report it according to the relevant information provided by the individual and the loan amount applied by the individual. It takes some working days for the bank to approve, issue loan certificates and issue loans. After the evaluation, it depends on the specific loan amount. The proportion, term, interest rate and loan amount of personal real estate mortgage loan are determined according to the different loan purposes selected, but generally not more than 60% of the assessed net value of mortgaged real estate; The fixed number of years is generally not more than 20 years; The loan interest rate is subject to the provisions of the People's Bank of China on personal consumption loans. So everyone should know about this.

1. The borrower's valid ID card and household registration book;

2. Proof of marital status. Unmarried persons need to provide unmarried certificates, and divorced persons need to issue court civil mediation or divorce certificates;

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate;

5. Real estate title certificate;

6. Loans can only be made with collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

7. Have a long-term stable income source and proof of income sufficient to pay the monthly loan principal and interest. These are all necessary materials. With these materials, the loan can be handled more smoothly.

What are the procedures for real estate license loan? The above viewpoints were summarized by Qi Jia. Bian Xiao. I believe that everyone will have a certain understanding after reading it, so that everyone will save a lot of time when lending, so as to better handle loans. That's good. Of course, if you still don't understand, you can visit our Qijia website. There is a lot of knowledge here, I believe you can find the knowledge that suits you.