Application conditions for real estate mortgage loan: 1. A natural person who has reached the age of 18 and has full capacity for civil conduct; Have stable job vacancies and income, good credit and repayment ability; Other conditions stipulated by the bank.
Conditions and requirements of bank mortgage loan 4: Have a fixed job. Generally speaking, the bank requires you to have a fixed job to repay the loan, because this is a mortgage loan.
The loan interest rate is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is 94%. Housing mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings.
Conditions for handling: Individuals or business owners can handle all kinds of bank loans, such as real estate mortgage, corporate loans and other products, if their real estate has been in Chongqing 18 years or more but their credit information has been good for more than 70 years.
And the maximum loan period meets the requirements of banks, and different banks have different regulations on the maximum loan period; The borrower has a stable job and income and the ability to repay the principal and interest of the loan; The borrower's personal credit status is good, and there is no bad record such as overdue personal credit information; Can provide collateral approved by the bank.
In addition, some basic conditions that borrowers applying for real estate mortgage loans need to meet are: age 22-60 years old, no bad credit record, good income and debt ratio not exceeding 50%.
Can the house be mortgaged?
You can mortgage a house loan, but you need to meet the corresponding conditions of the loan. For example, the age of the house must be within 20 years, the area should be more than 50 square meters and the mobility should be strong, and the house evaluation value must be above 70%.
Houses can be mortgaged, but not all houses can apply for real estate mortgage. For example, houses for public welfare purposes, houses with small property rights, houses with outstanding loans, second-hand houses with too old houses and too small areas, houses with uneconomical housing, some public houses and cultural relics protection buildings cannot be mortgaged.
If the house bought by loan has been repaid, it can be mortgaged; However, if the loan has not been repaid, whether it can be mortgaged depends on the relevant regulations of the bank.
How to borrow a house mortgage loan
Go straight to the bank. The following conditions must be met: a. The house needs to meet the requirements of the bank: Under normal circumstances, the bank accepts real estate with clear property rights within 20 years and can be listed and traded.
Choose a lending institution: First, choose a good lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements have always been a problem. Write an application and submit materials: After selecting an institution, you can submit the application with the materials needed by the applying institution.
When applying for a loan from a bank, the borrower shall explain the purpose, amount and term of the loan; Waiting for the bank's audit, after the data is approved, the bank will conduct on-the-spot investigation and evaluation of the real estate.
Need to prepare relevant procedures: loan application, user ID card, household registration book, income certificate, marital status certificate and other materials. Users of mortgage loans need to provide proof of ownership of collateral, while others need to provide good credit records.
And go to the business premises for on-the-spot inspection, and report to the superior bank for approval after meeting the requirements. With the approval of the higher bank, he applied for mortgage from the housing management department with his ID card, loan contract and house ownership certificate. After the housing management department accepted it, he registered the mortgage and issued his right certificate. Take his certificate of rights to the bank for a loan.
Let's not talk about the introduction of low mortgage loans for housing.