Borrower's application conditions:
1. Local permanent residents with legal identification and full capacity for civil conduct;
2, a stable economic income, good credit, the ability to repay the loan principal and interest on schedule;
3. There are legal and valid housing sales contracts and purchase agreements and other supporting documents recognized by lending institutions.
4. There are funds above 20% (inclusive) /40% (inclusive) of the total price of the purchased house as the down payment.
5. Having assets recognized by this institution as collateral or pledge, or (and) having legal persons, other economic organizations or natural persons recognized by this institution as guarantors.
6. Other conditions required by urban credit cooperatives.
Personal second-hand housing loan is a loan issued by urban credit cooperatives to borrowers to purchase personal housing or commercial housing that the seller has obtained the title certificate and has the right to completely dispose of and legally trade in the secondary market.
The mortgage loan object of "second-hand house" is a natural person with full civil capacity between 18 and 60 years old.
Borrower's application conditions:
1, with legal status, and provide valid identity documents and their copies;
2. It has legal and stable economic income, good credit and the ability to repay the loan principal and interest on schedule;
3. There is a property recognized by the lending institution (which must have obtained the property ownership certificate) as collateral, or (and) there is a legal person, other economic organization or natural person recognized by the lending institution with sufficient compensation capacity as guarantor;
4. There are legal and effective contracts and agreements for the sale of second-hand houses and other supporting documents required by the lending institutions, and there are down payment invoices or other vouchers for the transactions between the two parties;
5. There is no less than 20% (inclusive) of the total price of the purchased second-hand house as the down payment for the house purchase or provide effective corresponding down payment bills or other vouchers;
6. Other conditions required by urban credit cooperatives.
In order to meet your short-term capital needs, you apply for loans from urban credit cooperatives with personal or other private property (including commercial houses, affordable houses and public houses that are allowed to be listed and traded) as collateral.
The borrower must meet the following conditions:
1,/kloc-a natural person with full civil capacity between 0/8 and 60 years old. Provide valid identity documents and their copies.
2, a stable economic income, good credit, the ability to repay the loan principal and interest on schedule.
3. In addition to the mortgaged property, the mortgagor has another set (or more than one set) of property for the mortgagor to live in.
4. There are assets recognized by urban credit cooperatives as collateral, or (and) legal persons, other economic organizations or natural persons recognized by cooperatives with sufficient compensation capacity as guarantors.
5. Other conditions stipulated by the municipal credit cooperative.
After receiving your loan application and required documents, the staff of urban credit cooperatives will investigate and verify according to the working procedures stipulated by the bank and give you an answer as soon as possible.
If you agree to your loan application, the staff of the city credit cooperative will inform you to go through the formalities of insurance, notarization and mortgage registration at the specified time and place, or the city credit cooperative will sign a loan contract with you and other legal documents.