Mortgage to buy a house loan conditions:

Natural person with age 18-65;

Hold a valid ID card;

Sales contract or letter of intent for commercial housing with the purchased housing;

Good credit information and no bad records;

Have a stable job and a stable income;

Have the ability to pay the down payment of the purchased house;

Open a personal settlement account in a bank with effective guarantee;

Other conditions stipulated by the bank.

Information to be prepared by mortgage to buy a house:

Original and photocopy of the ID card of the borrower and spouse;

Original and photocopy of the household registration book of the borrower's husband and wife;

Proof of marital status;

Original purchase agreement;

Original and photocopy of advance payment receipt for 30% or more of the house price;

Proof of income;

Bank flowing water;

Certificate of academic qualifications;

Bank deposit certificate;

Other financial certificates;

The developer's collection account number;

Other materials specified by the bank.

Mortgage to buy a house loan process:

Choose real estate;

Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;

Apply for mortgage loan;

Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;

Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

Open a special repayment account;

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;

The borrower repays the loan regularly as stipulated in the contract.