Housing mortgage loan conditions

(1) has legal status;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There is a legal and effective purchase contract;

(4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

(5) If a house mortgage loan has been purchased, the original house mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the house ownership certificate, and the age of the house is within 10 years;

(6) Being able to provide effective guarantee recognized by the loan bank;

(7) Other conditions stipulated by the lending bank.

Housing mortgage loan application materials

1. real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)

2. Identity cards of the obligee and his spouse

3. Household register of the obligee and spouse

4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )

6. If the property owner has minor children, please provide birth certificate.

7. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.

8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )