Loan object and conditions:
1. Meet the basic requirements of our retail loan customers.
2. Foreigners or residents of Hong Kong, Macao and Taiwan must also meet the relevant requirements of the state for foreigners when purchasing commercial housing.
3. Have the ability to repay the loan principal and interest on time. The borrower's monthly loan expenditure should be controlled below 50% (inclusive), and the monthly debt expenditure should be controlled below 55% (inclusive).
4. Other conditions stipulated by the institution.
Loan amount:
1. The maximum amount of credit/single loan shall not exceed 70% of the mortgage value of the purchased property, and it shall comply with the relevant regulations of the regulatory authorities and banks.
2. If the policies of the regulatory authorities are adjusted, it shall be implemented according to the relevant regulations of the Bank and the regulatory authorities.
Application materials:
1. Identity information: ID card, military officer's card, etc. ;
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ;
3. Proof of use: purchase contract, down payment invoice (or receipt stamped with the financial seal of the developer);
4. Proof of local residence: a list of fixed telephone bills, or a list of water and electricity bills paid in any three months in the past year, or other information that can prove the address.
5. Proof of repayment ability (provide one or more of the following):
(1) If the income provided by the income certificate is basically consistent with the local industry, occupation and position, and the income level is sufficient to meet the repayment needs of customers, the income certificate shall be provided.
(2) For self-employed individuals and customers whose income is significantly higher than that of the same position in the local industry, supplementary proof materials of repayment sources shall be provided. Including but not limited to: ① providing a running list or a reliable list of wages paid by banks for more than three consecutive months in the past year; (2) provide proof of holding shares of relevant institutions and proof of share dividend income; (3) Provide proof of family assets, including financial assets or non-financial assets.
(3) Our payroll customers can directly provide their payroll account flow, without the need for the unit to issue a separate income certificate.
(4) Customers who can provide social security account running water or personal tax bills do not need the unit to issue income certificates, and the Bank calculates the customer's income according to the relevant provisions of local social security account payment or tax policies.
6. Other information required by the agency.
Note: retail housing mortgage requires five certificates (land certificate or land use certificate, construction project rules permit, construction land planning permit, construction project construction and pre-sale (sales) permit) to be complete.
If you have any other questions, please visit "Online Customer Service" (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!