(1) Borrower's requirements

1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)

2. Have the ability to stabilize employment, income and repay loan principal and interest on schedule.

3. The actual age of the borrower and the loan application period should not exceed 70 years old.

(2) Information to be provided:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required).

2. The original purchase agreement.

3. Original and photocopy of advance payment receipt for 20% or more of the house price 1 copy.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

Extended data:

Factors affecting the term of loan to buy a house and mortgage loan

1, age of loan applicant

When banks evaluate the repayment period of mortgage loans for borrowers, they first take their age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger you are.

The longer the loan term, the shorter the loan term. Under normal circumstances, "the lender's age+the loan period does not exceed 65 years" is the loan period that the bank can handle for it.

2. Age of the lending institution

When a lender buys a property, the "house age" of the purchased property will determine how many years he can borrow. According to the regulations of the bank, it is easier to get a loan than a new room property. For example, a set of second-hand houses with a construction period of less than 10 years have good conditions in all aspects.

Banks are willing to speed up the approval of such housing loans. However, in 1970s and 1980s, second-hand houses were relatively old, and the risk of loans controlled by banks was relatively high, so banks were very cautious in approving loans for such houses.

3, the economic ability of the loan applicant

On the other hand, for applicants who buy a house with loans, such as work income, job stability, savings deposits, assets, etc. It is also a factor that banks consider, and it is also a factor that measures the application time of their loan years.

Borrowers with strong economic strength can consider loan schemes with short loan life and certain repayment pressure. For example, 70% 10 or 15, or even 60% to 50% loan scheme.

Borrowers with poor economic strength should pay attention to whether their own economic conditions allow them to bear greater repayment pressure. If the bank has a good reputation and qualifications, such people may get loans as high as 80% to 20 years.

Dealing with house purchase loan is one of the purchase procedures that many buyers need to face. Most homebuyers know little about loans, so they waste time in handling loans.

The first step: buy a house with clear property rights, and choose a real estate transaction institution that can handle mortgage business to handle agency matters.

Step 2: The buyer and the seller must provide relevant information. Among them, the materials that the buyer (lender) must provide are: household registration book, ID card, education certificate, marital status certificate, house purchase agreement signed by the buyer and the seller, and income certificate of husband and wife (unit income certificate).

Selectively provide other property certificates, including deposit certificates and securities, as well as two recent photos of husband and wife; The information provided by the seller includes: ID card, household registration book, proof of marital status, proof that both husband and wife agree to sell, proof of property right of the house for sale and proof of approval of listing.

Step 3: Go to the law firm designated by the bank and fill in the application form for second-hand housing mortgage. The lawyer will submit all the supporting materials to the bank for loan approval and pay 4% of the value of the house purchased. Attorney's fee.

Step 4: The bank will complete the loan approval within 15 working days, and issue a loan commitment letter if it agrees to lend money.

Step 5: The buyer and the seller go to the real estate transaction management department of the real estate bureau where the house is located, and go through the formalities of transferring the ownership of the house.

Step 6: After receiving the sales contract, send it to the bank, and the bank will transfer the money.

Step 7: Go to the Real Estate Bureau for mortgage registration, and the borrower will repay the interest on a monthly basis.

Baidu Encyclopedia-mortgage to buy a house