1. The loan applicant is required to be 25-55 years old and have full capacity for civil conduct. If the mortgaged house has other property owners, the age should be 18-60 years old;
2. The mortgage age must be within 30 years;
3. The applicant's personal credit information is in good condition and has a stable income;
4. Accept the mortgage of the property of others as spouses, parents and children, and require the property to have proof for more than 6 months.
Supplementary knowledge of mortgage loan cycle of Ping An house;
1. How many years can Ping An Bank mortgage loan be used?
1. 1.2 months short-term loans. This mortgage loan can last for 1.2 months at the longest. Repayment methods include equal principal and interest or interest before principal.
2. 12-36-month medium and long-term loan, with a maximum loan of 36 months.
For medium and long-term loans of 3.3-5 years, the mortgage interest rate of this kind of real estate is lower than 12-36.
Loans with a term of more than 4.5 years and less than 30 years. This kind of mortgage loan is usually a mortgage loan. General enterprises or individuals rarely apply for consumption.
In short, real estate mortgage loans can be loaned for up to 30 years, so you can choose a suitable bank or lending institution according to your own needs. If 30 years can't meet your needs, some banks or institutions can lend for 35 years now, but they have high requirements on the nature and value of the house. It is recommended to know in advance.
Second, the real estate mortgage loan process
1. For the loan application, the borrower proposes the purpose, amount and time of the loan.
2. Prepare loan materials. The borrower shall prepare all the documents and certificates required to apply for a loan as required.
3. Housing evaluation: relevant institutions conduct on-the-spot investigation and evaluation of mortgaged houses.
4. Submit the loan approval, and submit all the loan application materials together with the evaluation report or investigation opinions to the bank for approval.
5. Notarization of loan contract. After the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary.
6. Mortgage registration procedures. The bank shall go through the mortgage registration procedures with the housing ownership certificate and the notarization certificate of the loan contract to the housing management department.
7. Opening an account and lending. The borrower opens a repayment account and the bank lends money to the account.
Third, real estate mortgage loan.
Generally speaking, housing mortgage loan, also known as mortgage, means that the bank provides the lender with most of the purchase money, and the purchaser pays the principal and interest to the bank in installments with stable income, but before paying off the principal and interest, he borrows from the bank with his purchase contract as collateral. If the buyer can't pay the principal and interest on time, the bank can sell the house to offset the debt.
Four, housing mortgage matters needing attention
1. Only relevant collateral can be used for normal handling, and the sum of loan amount and interest during the loan period cannot exceed half of the assessed value of collateral.
2. The borrower needs to pay attention to a long-term and stable income source that can pay the monthly loan principal and interest.
3. Need to be able to submit relevant guarantors.