Application conditions

First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Generally meet the above conditions, you can apply for a loan from a commercial bank.

Extended data:

Repayment method

1. Repay in equal amount every month according to the provisions in the signed repayment contract. The customer shall voluntarily deposit the monthly loan principal and interest into his house purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;

2. prepayment: the customer should apply to the bank one month in advance, and the loan interest can be exempted in advance, but the interest rate is still implemented at the same time as the original loan term.

Calculation of loan repayment If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum, and the interest will be paid with the principal; If the loan term exceeds 1 year, the repayment method shall be equal, and the loan principal and interest shall be repaid in monthly installments.

Personal housing loans, with the consent of the lender, the borrower can repay in advance. The borrower can choose the following two ways to repay in advance:

After the loan reaches 65,438+0 years, the borrower may apply for one-time prepayment of the outstanding loan principal and interest.

The borrower applies for partial prepayment, and concentrates the loans that should be repaid in installments throughout the loan period in one installment. The remaining outstanding loans can be handled by shortening the original agreed repayment period, or keeping the original agreed repayment period unchanged and reducing the monthly repayment amount.

Loan expenses

(1) lawyer examination fee. In the process of applying for a loan, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer entrusted by the bank, and this fee is generally borne by the applicant. This expense in Guangzhou is borne by the bank. The lawyer's entrustment fee is generally 3‰ of the loan amount.

(2) notarization fee. If the loan applicant is a husband and wife or a house buyer, others should make a statement whether they agree to mortgage the house to the bank, which needs notarization.

(3) Property registration fee. After the property buyers get the real estate license, they should go to the registration authority for mortgage registration and pay the registration fee.

(4) insurance premium. When applying for a mortgage loan, the borrower shall handle property insurance for the collateral. During the mortgage period, the insurance policy shall be kept by the lender, that is, by the lending bank. The property insurance rates of different insurance companies are slightly different. The notarization fee, mortgage registration fee, insurance fee, certification fee, evaluation fee, deed tax, stamp duty and other related taxes and fees involved in obtaining loans from banks shall be borne by you.

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