Housing conditions:
Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage; The age of the house (calculated from the date of completion of the house)+the loan period shall not exceed 40 years.
Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments. The mortgagee can be the borrower himself or others.
If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.
Extended data:
Treatment conditions
1. loan purpose: it is used to support individuals to buy houses and recover loans.
2. Loan targets: China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.
3. Loan terms:
(1) has legal status;
(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;
(3) There is a legal and effective purchase contract;
(4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
(5) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;
(6) Being able to provide effective guarantee recognized by the loan bank;
(7) Other conditions stipulated by the lending bank.
4. Loan amount: the maximum amount shall not exceed 70% of the purchased house price;
5. Loan term: Generally, the longest loan term is 30 years. If the newly purchased house is used as the maximum mortgage, the starting date of the validity period is the day before the signing date of the individual housing loan contract; If the original mortgage loan of China Construction Bank is converted into the maximum mortgage loan, the starting date of validity is the day before the original mortgage loan issuance date;
6. Loan interest rate: The loan interest rate is the same as the individual housing loan interest rate.
Baidu encyclopedia-housing mortgage loan