1,/kloc-a natural person with full civil capacity between 0/8 and 65 years old;
2. Have a valid ID card, household registration book and proof of marital status;
3. Good credit record and willingness to repay;
4. Have the economic ability to pay the down payment of the purchased house;
5, a stable source of income and the ability to repay the loan principal and interest in full and on time;
6. There is an effective guarantee recognized by the lender;
7. Have a house sales contract;
8. The seller has the right to dispose of the purchased house according to law, and the purchased house has obtained the house-related certificate;
9. If the property right of the house * * * exists, there must be a certificate of consent to transfer issued by the property owner * * *;
10, other conditions stipulated by the bank.
What should I pay attention to when handling commercial loans?
1, and the credit status is good.
As we all know, having a bad credit record will directly affect the loan approval. Under normal circumstances, if there are three consecutive overdue records accumulated for more than six times in personal credit records, the loan application will be rejected to a large extent. Credit cards, mortgages and car loans will all appear in your personal credit report if they are overdue.
Step 2 prepare materials
The materials to be provided for handling commercial loans are relatively simple, mainly including: ID card, household registration book, income certificate, income certificate in the past six months, and married people need to provide marriage certificates. Proof of income needs to ensure that the income is more than twice the monthly loan payment. It is recommended to open a bank with more income to prove the income certificate.
3. Term of the loan
The loan period of each bank's commercial loan is 30 years. If the applicant meets the conditions of long loan term, he can choose the loan term at will, such as 20 years, 10 years, etc. Different loan years will directly affect the monthly repayment amount. If the total loan amount remains unchanged, the shorter the term, the less the interest will be, but the more the monthly payment will be.
4. Choose the repayment method
There are two main repayment methods of commercial loans: equal principal and interest and average capital. From the perspective of cost performance, the average capital needs to repay much less interest, but the repayment pressure in the early stage is great, and the repayment pressure in the later stage will gradually decrease. The matching total principal and interest will be more, but the monthly repayment amount is relatively small, and the monthly repayment amount is fixed. Those with higher income are suitable for ordinary capital, and those with high repayment pressure are suitable for equal principal and interest.
What are the conditions for buying a house with a commercial loan? What should I pay attention to when handling commercial loans? There are two ways to buy a house with a loan. Although commercial loans are not the most cost-effective, they are the simplest. When dealing with commercial loans, buyers should be clear about the repayment method and choose the repayment method that suits them. If there is any plan to repay in advance in the future, it should also be indicated in the loan contract.
(The above answers were published on 20 18-08-29. Please refer to the actual situation for the current purchase policy. )
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