First, the housing mortgage loan application conditions:
The nature of the house; Houses, office buildings, villas, commercial houses, cost houses and affordable housing (strict requirements for affordable housing) have clear property rights within 20 years.
Mortgagor (normal age 18-65 years old) is in good health.
The Mortgagor has not participated in the credit investigation in the past 24 months.
The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). )
The actual use of funds is clear.
Second, prepare information:
Original and photocopy of ID card and household registration book of borrower and spouse (if single, single certificate is required)
Proof and copy of the borrower's marital status
Family property, car ownership certificate and its photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate)
Statement of personal main bank account in the last 6 to 12 months (with official bank seal)
Work unit income certificate
Family private lending articles and other supporting materials.
assessment report
Third, the housing mortgage loan process:
Submission of materials
Sign bank documents
Housing evaluation
The bank passed the audit.
bank loan
mortgage registration
Repay the loan on a monthly basis