Spread out completely

There is no overdue, and you can apply for a certain repayment ability.

Personal housing mortgage loan 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.

Information to be provided when applying for mortgage:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

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.

I got a discount loan of 200,000 yuan from the Postal Savings Bank. Can I apply for a mortgage now?

00,000 business, part of the loan management loan.

The bank has lent 200,000 yuan. Can I still borrow money to buy a house?

There is a loan of 0.2 million/200 thousand in the name. Under normal circumstances, you can still borrow normally, but you should pay attention to these points:

1, the borrower should have a stable job and a stable source of income, strong economic strength and good repayment ability.

The borrower's debt ratio cannot exceed 50%, and the monthly income must be twice the monthly mortgage after paying off the 200,000 loan. If you can't meet the repayment requirements of the bank, see if you can provide other properties under your name to prove that you have the ability to repay the principal and interest.

2. There cannot be too many overdue records for loan repayment under the name, because the accumulated overdue records of the loan applicant in the past two years cannot exceed 6 times when applying for mortgage.

3. The loan owed cannot be a mortgage, because some regions will stipulate that when the first mortgage is not settled, it is not supported to apply for a second mortgage; There are also some areas that require buyers to have no consumer loans and no online loans. The specific requirements depend on the region.

4. The borrower must be qualified to buy a house, be able to pay the down payment, provide a house purchase contract or agreement, and meet other requirements of the bank.

Need to analyze the borrower's specific situation and location. Banks in different regions may have different requirements for mortgage loans. You can consult the bank first.