Did you buy a first-hand housing loan or a second-hand housing loan, a commercial loan or a provident fund loan? The maximum loan amount for a first-hand house is 70% of the property value, and that for a second-hand house is about 50%. In other words, the first-hand housing loan down payment needs at least 30%, the second-hand housing down payment needs more than 50%, and some banks need about 60%. Commercial loans to buy a house, the interest rate of less than five years is 6.9%, and the interest rate of more than five years is 7.05%. The interest rate of housing provident fund loans for more than five years is 4.9%. The procedure of the first-hand housing loan is:

(1) ID card;

(2) proof of marital status;

(3) proof of repayment ability and income;

(4) documents proving that the down payment for house purchase has been paid;

(5) A legally binding commercial housing sales contract signed with a real estate developer;

(6) If there is * * * borrower or * * * owner, the borrower or * * * owner shall provide relevant identity documents and the commitment to agree to mortgage, and if there is * * * borrower, it shall provide proof of repayment ability;

(seven) other information required by the bank.

References:

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