1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3, with more than 30% of the total price of the purchased house, and ensure that it is used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the price of the purchased house basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank.

2. The process of preparing for mortgage loan in ICBC:?

1, with legal and valid identification; ?

2, stable income, good credit, with the ability to repay the loan principal and interest on schedule;

3. The procurement contract has been signed in accordance with relevant regulations;

4. There is a legal and effective guarantee recognized by the lender; ?

5. Have the down payment ability.

6. Other conditions stipulated by the lender.

Extended data:

1. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years; The loan amount is 70% of the appraised value of the house; 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 5.94%.

2. Housing mortgage loan conditions:

(1) The service life of the house is less than 20 years;

(2) Banks have different requirements for housing area;

(3) the house should have strong liquidity;

(4) Commercial houses, apartments, shops and office buildings are generally needed.

General real estate mortgage loans need to be handled by professional real estate guarantee companies. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are issued through mortgage loans to meet temporary consumption needs and even business needs, so as to revitalize the real estate held by residents. Moreover, among various financing channels, real estate mortgage loan is still one of the lowest cost ways.

According to the data provided by Anjia Shiyin Guarantee Co., Ltd., the first wholly foreign-owned real estate guarantee company in China, nearly 30% of real estate mortgage loans are used to buy houses again, and other uses account for a relatively high proportion: business use, car purchase, study abroad immigration, decoration and purchase of bulk consumer goods.

References:

China Industrial and Commercial Bank Loan-Baidu Encyclopedia