2. Have a stable occupation and income;
3, have the ability to repay the loan principal and interest on schedule;
4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.
5, there is a contract or agreement to buy housing;
6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of a house in the Construction Bank. If the applicant applies for a policy-based personal housing loan, he shall deposit the housing provident fund in the Construction Bank according to regulations;
7. Other conditions stipulated by the lending bank.
Problems needing attention in buying a house with a loan
1, floating range of loan interest rate The floating range of loan interest rate is related to how much interest the borrower has to pay during the loan period, so pay more attention. If the fluctuation of loan interest rate is relatively small, the pressure on buyers will be relatively small, and if the fluctuation is relatively large, the pressure will also increase. Borrowers can analyze the floating range of loan interest rates of various banks for reference before applying.
2. Frequency of loan interest rate adjustment At present, most banks agree that if the benchmark interest rate of the People's Bank of China is adjusted, the bank will adjust the loan interest rate accordingly on June 65438+1 October1of the following year. In addition, a few banks allow customers to float according to the loan date, that is, when the benchmark interest rate of the People's Bank of China is adjusted, the loan interest rate will be adjusted every 1 year. Generally speaking, the longer the period of interest rate adjustment, the better for borrowers.
3. Expenses incurred in handling loans When handling commercial loans, there are generally expenses such as notarization fees for loan contracts, insurance premiums, mortgage registration fees, loan contract fees, and evaluation fees. The total amount may reach several thousand yuan, and the borrower cannot ignore it. At present, some banks are partially or completely exempted from the above fees, which is also the reason why borrowers choose after comparison.
4. Loan cost At present, the loan interest rates of all banks are similar. For the same loan term, the loan cost is mainly reflected in the bank's regulations on early repayment and adjustment of repayment plan. Therefore, it is suggested that the borrower choose a bank that repays the loan in advance without penalty, has a low repayment starting point and can adjust the repayment plan.
5. Loan services In terms of loan services, borrowers should choose banks with simple procedures and simple operations. When accepting loans, we can provide borrowers with thoughtful loan consulting and handling services, online banking and SMS prompt services, especially banks that can provide borrowers with comprehensive personal financial services and value-added services at the same time.
6. Loan products If you want to apply for a mortgage loan to buy a house, especially for the first time, the borrower can enjoy certain interest rate concessions according to various situations such as personal income. As for the specific application procedures, all banks have relevant requirements. In addition, different banks have different mortgage products, and even the same bank will launch different products at different times. If the new product is more cost-effective, it can be converted between different products through refinancing.