Most mortgage contracts signed by borrowers and banks have floating interest rates. After the adjustment of bank loan interest rate, the interest rate calculated by loan interest is also adjusted. In other words, every time the central bank cuts interest rates, the borrower's monthly payment will be reduced accordingly; On the contrary, there will be a corresponding increase.
Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the house purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments, also known as house mortgage loan.
Conditional procedure 1, the original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not in the same household registration, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
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.
References:
Baidu encyclopedia-loan to buy a house