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Personal housing mortgage loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied new housing, commonly known as "personal housing mortgage loan". The amount of personal housing mortgage loan issued by the bank shall not be higher than 80% of the value of the house to be purchased or the actual total cost of house purchase assessed by the real estate appraisal agency (whichever is lower).
Application conditions:
1, with urban permanent residence or valid residence status;
2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
6. Other conditions stipulated by the bank.
The amount of personal housing mortgage loan issued by the bank shall not be higher than 80% of the value of the house to be purchased or the actual total cost of house purchase assessed by the real estate appraisal agency (whichever is lower).
The longest loan period shall not exceed 30 years. Usually, the borrower is not over 65 years old at the final maturity date of the loan. If there is a borrower, the loan term can be calculated according to the younger party.
Borrower's requirements
1.1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
Information to be provided by the borrower
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.