There are more micro-loans, and if the personal debt ratio rises, it will affect the loan to buy a house. Although there are many small loans, it has not caused a sharp rise in personal debt ratio. Applying for a mortgage at this time is not affected by the previous small loans. When a user applies for a mortgage, the previous loan will have an impact on the current mortgage, and the bank will ask the user to pay off the previous loan in advance.
What are the conditions for applying for a mortgage?
(l) You must hold a legal household registration book (not limited to the household registration in this city), an identity card or business license, a certificate of legal representative or a legal residence permit and passport.
(2) Purchase the commercial housing of the developer designated by the bank.
(3) Open a special deposit account in the bank and deposit a part of the amount according to the requirements of the bank.
(4) Sign a legal and effective house purchase contract, agreement and other supporting documents with the developer.
(5) Agree to use the purchased property as loan collateral.
(6) Willing to perform all the terms of the loan contract.
(7) Agree to the relevant (other) conditions stipulated by the bank.
Information that the borrower needs to publish and provide.
(l) The original and photocopy of the resident identity card.
(2) The original and photocopy of the house subscription book.
(3) The original and photocopy of the down payment.
(4) Proof of monthly repayment ability: proof of income and deposits (passbook or other securities) of individuals and families.
(5) List of mortgaged property or pledge, certificate of ownership, and certificate that the person who has the right to dispose of it agrees to mortgage or pledge; There is a collateral evaluation certificate issued by an authoritative department, and the guarantor agrees to provide a written document of guarantee and a credit certificate of the guarantor.
(6) To apply for housing provident fund loans, a certificate issued by the housing provident fund management department is required.
(7) Other documents or materials required by the borrower.
The loan of a microfinance company will be recorded in writing in the microfinance company. If the microfinance company has been included in the credit information system, the loan records of the microfinance company will be displayed in the personal credit information report, which can be found by bank staff through online inquiry. At this time, mortgages will be affected. If the microfinance company is not included in the credit information system, the bank will not show it, that is, it will not affect you.