In Yanqing, Bianxiao, I found that many people are not very clear about buying self-occupied commercial housing. Bian Xiao compiled some information about whether I can get a loan for buying a commercial house in Yanqing, and how to get a loan for buying a commercial house in Yanqing, which should be able to answer those questions. I hope you can get some inspiration from what I have compiled.

Can I get a loan to buy Yanqing self-occupied commercial housing?

At present, Yanqing self-occupied commercial housing can be purchased by loan, but the following conditions need to be met.

1. Borrower's local account or valid residence certificate.

2. The borrower (and spouse) has a legal and stable income source and has the repayment ability.

3. The borrower has the ability to pay the down payment of not less than 30% of the total value of the house.

4, the monthly repayment amount is not higher than 50% of the monthly income in principle.

In addition, when Yanqing applies for a mortgage from a bank, the bank will also inquire about personal credit records. Those with bad personal credit records will face the risk of being refused loans by banks. Therefore, when applying for a mortgage, you should have not only financial guarantee, but also credit guarantee. After meeting the above conditions and other conditions required by the lending bank, you can apply for a loan from the bank.

How to buy Yanqing self-occupied commercial housing loan?

When purchasing Yanqing self-occupied commercial housing, the loan process is as follows:

1. Application: Yanqing loan applicant and * * * together with the applicant apply for a loan at the management department where the housing provident fund is deposited, and the borrower fills in the Application Form for Provident Fund Loan.

2. Preliminary review: Yanqing acceptance personnel conduct preliminary review of the materials according to the loan policy, enter information in the form, and after passing the examination, the system outputs the contract text and loan receipt.

3. Signature: Yanqing loan applicant and * * * jointly sign the above loan text and the position specified in the bank withholding agreement.

4. Handling insurance: Yanqing loan applicants and applicants go to the insurance company window to handle insurance and mortgage procedures.

5. Lending: After completing the mortgage formalities in Yanqing within the publicity period, the management department will entrust the bank to transfer the loan to the bank card after reviewing the receipt and loan materials, and the borrower will collect it from the entrusted bank with the original ID card.

6. Repayment: The borrower of Yanqing will deposit the payable principal and interest into the bank card or repay it at the bank window every month within the time limit agreed in the bank withholding agreement until the loan is fully paid off.