(1) The loan object is a natural person with full civil capacity.

(2) Having permanent residence in cities and towns or valid residence status requires the borrower to have legal status.

(3) Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan.

(4) There are some differences in down payment requirements among banks.

(5) Assets recognized by the lender are used as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory capacity are used as guarantors to repay the principal and interest of the loan and bear joint and several liabilities.

(six) there is a purchase contract or agreement.

(7) Other conditions stipulated by the lender.

Face-to-face signing in the bank refers to the procedure that when buying a house loan, the borrower (together with the co-repayment person or guarantor) carries the legal and effective original certificate, seal and the loan expenses to the loan bank to pay the loan expenses, and then interviews and signs them.

In real estate sales, after the buyers and sellers sign the sales contract, the buyers who need to apply for loans need to apply for loans from the bank. Buy a house and sign a preliminary agreement with the bank to fill in the information. After the contract and invoice are ready, the bank will review the information and then ask for an interview. When you apply for a loan when you buy a house, you need to pay more attention to some precautions when you interview in the bank to avoid unnecessary trouble:

1 proof of income:

Stamp the official seal of the unit or the seal of the human resources department. Nothing can change. Proof of income must be guaranteed to be more than twice the monthly payment, otherwise the loan amount will be affected. If the income is not enough, you can increase borrowers. If there are other outstanding loans, the income certificate must be more than twice the total monthly repayment of all outstanding loans before it can be approved.

2. If you are married:

Both husband and wife should be present, including household registration book, marriage certificate, education certificate, income certificate, running water, copy of business license and official seal (not required by state-owned enterprises, institutions and Fortune 500 companies), bank card, etc.

3. If you are unmarried:

ID card, household registration book, education certificate, income certificate, running water, copy of business license and official seal (not required by state-owned enterprises, institutions and Fortune 500 companies), bank card.

4. If it is a second suite:

You need to provide the title certificate and loan contract (settlement certificate) when you buy a house for the first time.

5. Sign the contract online:

At present, all banks have taken the review of online signing contracts as a necessary part, so online signing contracts must be provided. The bank approves the loan amount according to the principle of the lower of the house appraisal value and the online contract price.

6. It should be reminded that:

It is necessary to confirm the liquidated damages for early repayment with the bank.