Because commercial banks handle loan business, they are generally mortgage loans, and their personal housing mortgage loans can be applied as long as the house age is less than 20 years. Details are as follows:

1, application materials for real estate mortgage loan:

(1) Property Ownership Certificate

(two) the identity card of the obligee and his spouse.

(three) the household registration book of the obligee and his spouse

(4) Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

(5) proof of income

(6) If the owner of the real estate license has minor children, please provide a birth certificate.

(7) If the property has a bank loan, please provide the original loan contract and the latest bank statement.

(8) In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).

2. Conditions. Housing mortgage loan conditions require that the service life of the house be within 20 years; The housing area should be more than 60 square meters; The appraised house price should exceed 6.5438+0 million, and your loan amount should be at least 500,000, so you need a spare house.

3. There are two ways of real estate mortgage loan: one person's real estate mortgage consumer loan, and the interest rate of each bank is different. The minimum 15 depends on your personal qualifications. Second, the loan interest rate of real estate mortgage business generally rose, with a minimum of 16.

The current benchmark interest rate is 7.05.

4. Process: Submit the required materials to the bank, which will pass the examination, sign the loan contract, and go through the mortgage registration at the real estate trading center. offer loans