What are the conditions for buying a house and mortgage in Chengdu?
1. Applicant 18 years old or above, with permanent residence in Chengdu.
2. Have a stable economic income and the ability to repay on time.
3. Hold a valid purchase contract.
4. Being able to provide collateral recognized by the lending bank.
5. Be able to pay the down payment for the house.
6. Other conditions required by the lending bank.
What information does Chengdu need for housing loan?
1. Valid identification of myself and my spouse: ID card, household registration book or other valid proof of residence.
2. Work certificate and income certificate: self-deposited bank flow, income certificate issued by the company, etc.
3, housing sales (pre-sale) license or proof of property rights.
4. Legally purchased housing contracts, agreements and related approval documents.
5. Other conditions required by the lending bank.
The process of mortgage loan
The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;
After receiving the application, the loan bank shall confirm and review the information;
After the audit, the loan bank contacts the lender and signs the relevant contract;
For bank loans, the lender shall fulfill the repayment obligation.
Is it easy to buy a house loan in Chengdu?
1, first-hand housing mortgage loan
If you want to buy a newly developed property, you need to use the property as collateral and apply for a mortgage loan from the bank. The required materials include identity certificate, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate and guarantee certificate.
2. Second-hand housing mortgage loan
If you buy a second-hand house, you need real estate as collateral and apply for a mortgage loan from the bank. The required materials include the identity certificates of the buyer and the seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, evaluation report, buyer's income certificate and no house certificate.
Editor's summary: After reading the above introduction, I believe everyone has a better understanding of the conditions in mortgage to buy a house. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.