Supplement:

Take the terms of the contract:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

There is a legal and effective purchase contract;

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 the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

If the mortgage loan has been purchased, the original 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 property ownership certificate, and the age of the house is within 10 year;

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

Other conditions stipulated by the lending bank.

Extended data:

Customers should pay attention to the following points when handling mortgage loans:

1. Be sure to prepare your ID card, household registration book, bank account number, salary slip, down payment receipt and other relevant information. , and the information provided must be accurate and consistent with the real situation, so as not to affect the mortgage approval due to incomplete or incorrect information.

2. Apply for an appropriate loan amount according to the total house price, actual economic situation and repayment ability. To apply for individual housing provident fund loans, you must also consider the balance of the housing provident fund account. Don't blindly apply for excess, lest you can't do it, or the repayment burden is too heavy after doing it.

3. If you apply for a personal housing provident fund loan, it is best not to use the housing provident fund at will before handling it.

4. If you have a lot of debts under your name now, you can pay off your debts before applying for a mortgage, or pay off part of them first, which can reduce your personal debt ratio.

5. Choose the appropriate repayment method. The average capital repayment method requires a higher level of economic income. After all, the pressure of prepayment is greater, which is suitable for customers with a certain economic foundation. If the economic conditions do not allow excessive investment in early repayment, you can choose the repayment method of equal principal and interest.

6. If your credit conditions are average, you can find a person with good credit to guarantee your mortgage and improve the chances of loan approval.