Requirements for handling house purchase loans
1, a natural person with the age of 18-60.
2. Have the ability to stabilize employment, income and repay loan principal and interest on schedule.
3. The actual age of the borrower and the loan application period should not exceed 70 years old.
4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.
5. Self-raised funds of more than 30% of the total price of the purchased house are guaranteed to be used to pay the down payment of the purchased house.
6. The assets recognized by the lending bank are mortgaged or pledged, or (and) legal persons, other economic organizations or natural persons with sufficient compensatory capacity are used as guarantors.
Extended data
Information to be provided for house purchase loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required).
2. The original purchase agreement.
3. Original and photocopy of advance payment receipt for 30% or more of the house price 1 copy.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Reference source Baidu Encyclopedia-Housing Loan