Housing loan belongs to mortgage loan. Because the housing loan is actually a loan applied for with the purchased house as mortgage, besides the borrower's personal conditions such as good credit status and stable source of work income, on the other hand, the requirements are aimed at the house itself. For example, if the house to be loaned belongs to the local loan bank, the house to be loaned must pass the inspection and be assessed to have a certain mortgage value, and the mortgage registration of the house will be completed before the loan is issued, so it can be said that the housing loan belongs to the mortgage loan.

Conditions for applying for housing mortgage loan

1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. Have a stable occupation and income, good credit and repayment ability;

3. Other conditions stipulated by the bank. Materials required for applying for real estate mortgage loan: identity certificate, household registration book, marriage certificate, income certificate, real estate certificate, assessment report of mortgaged real estate, loan purpose certificate and other materials specified by the bank. Loan proportion, term and interest rate of real estate mortgage loan: the loan amount is determined according to the different loan purposes selected, but generally it does not exceed 60% of the assessed net value of mortgaged real estate; The fixed number of years is generally not more than 20 years; The loan interest rate is subject to the provisions of the People's Bank of China on personal consumption loans.

Housing mortgage loan process

1. Prepare all materials, including ID card, household registration book, marriage certificate, real estate license, purchase contract or invoice, and bank statement of personal account in the last six months.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.