Housing mortgage loan down payment ratio:
1, the first suite: the down payment for the first commercial house (70-year property right) is 20% (20%) of the total purchase price or the appraised value (whichever is lower); The down payment for commercial real estate (40-year or 50-year products) is 50% (50%) of the total purchase price or the appraised value (whichever is lower).
2. Second home: the down payment ratio of the second home loan is 40% of the total purchase price or the assessed value (whichever is lower).
3, the purchase of third and above housing, the bank does not accept the third home mortgage loans.
Information required for real estate mortgage:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Scope of real estate mortgage
1, real estate. Real estate refers to the house with ownership or management right obtained by the mortgagor according to law and the land use right within its occupation scope. As real estate, real estate is inseparable, and real estate must include the land use right within the occupied area of the house. Real estate is the most common kind of real estate collateral, and most real estate mortgages use real estate as collateral.
2. Land use right. Land use right is a kind of property right, which refers to the right of civil subjects to possess, use and benefit state-owned or collective-owned land. Land use rights are divided into the following four categories: urban state-owned land use rights, farmers' collective land use rights, state-owned agricultural land use rights and collective agricultural land use rights. Not all land use rights can be mortgaged. The range of land use rights that can be mortgaged is as follows:
The land use right obtained in accordance with the transfer method and allocation method, that is, the land use right of urban state-owned land construction can be mortgaged;
The land use right of barren hills, ditches, waters and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer;
Buildings such as factories of township enterprises and their collective land use rights.
3. Construction in progress. Construction in progress refers to the comprehensive property composed of land use rights legally obtained by real estate development enterprises and assets invested in construction in progress. The mortgage of construction in progress must be legally transferable construction in progress, because only transferable construction in progress can realize its value through transfer, thus ensuring the realization of mortgage right.
4. Pre-purchased unfinished commercial housing for which part or all of the house price has been paid.