First, the loan object
The object of individual housing loan should be a natural person with full civil capacity.
Second, the basic conditions of the loan
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. 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;
4. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
5. Other conditions stipulated by the bank.
Third, the loan amount.
The amount of personal housing loans issued by banks shall not be higher than 80% of the total cost of the house to be purchased or the real estate appraisal agency's assessment.
Four. length of maturity
The longest is not more than 30 years.
The information that verbs (short for verb) need to provide.
When applying for a loan, you should fill in the Approval Form for Personal Housing Loan Application of XX Bank and submit the following documents to the bank:
1, identity document (resident identity card, household registration book or other valid residence documents);
2. Proof of loan income or solvency issued by the authorized department of the bank;
3. Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements;
4. The down payment certificate issued by the developer;
5. List of collateral or pledge, certificate of ownership, certificate of consent to mortgage, certificate of pledge and certificate of valuation of collateral by the person with the right to dispose of it;
6. The guarantor agrees to provide a written guarantee document and a credit certificate of the guarantor;
7. If savings deposits are used as self-raised funds, bank deposit certificates are required;
8. If the provident fund is used for self-financing, it is necessary to provide proof that the housing provident fund management department has approved the use of provident fund deposits;
9. Other documents or materials required by the bank.
Details of the loan requirements for buying a house in a foreign household. If non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more apply for housing loans, the lender will implement the second (or above) differentiated housing credit policy, that is, the down payment and loan interest rate may be increased.
The approval procedures and processes of each bank are different, but lenders are generally required to provide: household registration certificate provided by the public security organ where the household registration is located, job certificate issued by the unit, income certificate, local temporary residence permit, local fixed contact address and contact information. The bank will check the credit history of the lender and so on.
(The above answers were published on 2015-10-12. Please refer to the actual situation for the current purchase policy. )
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