Conditions for applying for a house purchase loan from Industrial Bank

1, age 18 years old (inclusive) and under 65 years old (inclusive), with legal and valid identity certificate, residence certificate and income certificate, and no bad credit record.

2. The sum of the applicant's age and loan period shall not exceed 70.

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements.

4. The borrower's occupational and economic income is stable and has the ability to repay the loan principal and interest.

5. There is a valid guarantee recognized by Industrial Bank.

6. Open a personal settlement account in Industrial Bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card.

Second, the Industrial Bank housing loan interest rate

1, the housing loan of Industrial Bank purchases the first commercial housing from the borrower's family, and the down payment ratio is not less than 30%.

2. For families who borrow money to buy a second house, the down payment ratio shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.

Extended data:

First, the bid for the Industrial Bank housing loan materials

1. Valid identity documents, household registration certificates or valid residence certificates and marital status certificates of the borrower and spouse.

2. Proof of income or personal assets of the borrower and spouse.

3. Commercial housing sales (pre-sale) contract

4. Other information required by Industrial Bank.

Second, the loan method

1. The full name of the personal housing entrusted loan is the personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans for low-and middle-income workers who pay the provident fund.

2. Personal housing self-operated loans are loans issued to individual buyers with bank credit funds as the source.

3. Personal housing portfolio loan is a loan for the same borrower to purchase self-occupied ordinary housing, which is a combination of personal housing entrusted loan and self-operated loan.