Extended data:
First, the application conditions for housing loans
1. Applicants need to have legal residence status, permanent residence or proof of residence status of urban residents, so it is best to buy a house in the location of your residence or the city where you live now.
2. The age must be 18 years old.
The applicant must have a legal and fixed job and a stable source of income, and the lender can guarantee that you have the ability to repay the loan principal and interest on time.
4. Need to sign a house sales contract and have paid the down payment ratio stipulated by the bank.
The applicant's credit should be good.
Second, the housing loan application materials
1. Applicants should prepare their own identification documents, that is, valid identification documents;
2. Prepare your own residence certificate, such as household registration book or valid residence certificate;
3. Prepare your work certificate and income certificate;
4. Prepare your own House Sales Contract and related documents;
5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate.
Depending on the type of house purchase and the loan applied for, the down payment price is different:
First, buy the first suite down payment price
If you purchase the first suite and apply for a provident fund loan, the down payment price of the first suite is divided according to the housing area: the down payment of the first suite below 90 square meters (inclusive) shall generally not be less than 20%; The down payment for the first suite of more than 90 square meters is generally not less than 30%.
If you apply for a commercial loan, the first suite is a new house, and the down payment is generally 30% of the total house price. If the first suite is a second-hand house, the down payment will generally be 30% of the loan evaluation price.
Second, the down payment price for buying a second suite
If you buy a second suite and apply for a provident fund loan, the down payment for the second suite is generally not less than 50%. However, it should be noted that only the area of the first suite is below 120 square meters (inclusive) can you apply for a housing provident fund loan to buy a second suite.
If you apply for a commercial loan, the down payment for the second suite is generally about 60% of the total house price.
Of course, the loan policies and house purchase policies of different places may be different, and everyone still takes the local official information as the standard.