Housing loan conditions
1, a natural person with the age of 18-65.
2. More than 30% of the total amount of the purchased house is used as the down payment (the down payment ratio is implemented according to the standards of the first set and the second set, and generally calculated according to the down payment ratio of 30% of the first suite).
3, have a stable job, can provide proof of income stamped by the work unit and the bank's running water in the past six months (the monthly income is more than twice the monthly payment).
4. Good credit. If three consecutive overdue times accumulate six times, the bank will refuse the loan.
Housing loan process
1. Submit loan information
Generally speaking, developers will have one or more designated cooperative loan banks, and buyers can choose one of them to handle housing loans. Bring the required materials and give them to the bank staff.
2, loan qualification audit
The bank examines the lender's loan qualification, including the authenticity of personal information, age, personal credit record and income. Among them, in terms of the age of applicants, many banks over 65 no longer accept loan applications themselves. In the personal credit record, if the overdue number is three to six times, the bank will refuse the loan, and if the individual owns more than two sets in Hangzhou, the bank will refuse the loan.
The income needs to reach 265,438+065,438+03 times of the monthly loan application, and it needs to cover all liabilities in the individual's name, including car loans. Bank 526 1 generally requires the applicant to provide the details of the bank flow in the past six months to prove his income ability.
After receiving the loan applicant's materials, the bank will examine the loan applicant. General commercial loans take 7- 10 working days (the specific review time is subject to each bank).
3. Sign a loan contract
After the approval of the bank, a formal loan contract will be signed with the applicant. In the actual operation of 4 102, the borrower will sign the loan contract when submitting the materials, but the bank will seal it only after approval.
4. Lending
After the bank completes the loan process, it will directly lend 1653 to the developer, and the borrower needs to repay the loan to the bank every month. It should be noted that if the applicant purchases an auction house, the bank will issue the loan only after the auction house is capped.