At present, housing prices are relatively high, ranging from hundreds of thousands to millions, and it is difficult for ordinary working-class people to buy a house. Therefore, many people choose loans when buying a house, but they must have certain conditions to borrow from the bank. So what are the conditions of mortgage loan? Let's take a look with Bian Xiao.

First, the housing mortgage loan conditions

Housing mortgage loan conditions: 1. Age 18 -55 years old; 2. The mortgaged house must have a clear house ownership certificate; 3. The Lender has the right to completely dispose of the house; 4. Mortgaged houses can be legally listed and traded; 5. Have a stable job and the ability to repay loans; 6. The lender needs to use the full value of the mortgaged house for loan mortgage; 7. The lender has a good credit record.

Second, how much can a real estate mortgage loan be borrowed?

1. The amount of real estate mortgage loan is affected by the type, location, height and age of the house, and it is also related to the assets owned by the lender. For example, if you already have a house, the loan evaluation is generally 50%, and if you have multiple houses, the evaluation value is generally 70%-80%.

2. The income of the lender will also affect the loan amount. If the lender's income is low, then the bank will also consider the lender's repayment ability and directly reduce the loan amount. The loan items of each bank are different. Some banks have a limit of only 3 million at most, and some banks can lend tens of millions, so the loan limit will also be affected by banks.

3. If the lender only has one suite and uses other properties, such as cars and land, these are also proof of financial resources. Secondly, the lender's credit is good. If there is a credit card, there can be no overdue phenomenon. Generally speaking, the mortgage interest of real estate license is 6% for one year, 6. 14% for five years and 6.55% for 10 years, but it depends on the banks.

Editor's summary: The above is the relevant explanation about the conditions of housing mortgage loan, hoping to bring help to friends.

What are the conditions for housing mortgage loan?

Requirements for housing mortgage loan:

1. For a natural person with full capacity for civil conduct, the actual age of the loan maturity date is generally no more than 65 years old;

2. Have legal and valid identification and proof of marital status;

3. Have good information records and willingness to repay;

4. Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on time;

5. The property right of the mortgaged house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without other mortgages. Mortgaged houses are not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is the highest mortgage, it must have a legal and effective purchase contract, and the age of the house is within 10 years, and prepare or pay a down payment of not less than 30% of the total price of the purchased house; If you have purchased and applied for a mortgage loan, the original 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 ownership certificate, and the age of the house is within 10 year;

7. The borrower has a legal and effective purchase contract or agreement;

8. Effective guarantee recognized by the lender.

Article 395 of the Civil Code of People's Republic of China (PRC)

The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.

What conditions do housing mortgage loans need to meet?

Application conditions for real estate mortgage loan: 1. A natural person who has reached the age of 18 and has full capacity for civil conduct; 2. Have stable job vacancies and income, good credit and repayment ability; 3. Other conditions stipulated by the bank. Materials to be submitted when applying for real estate mortgage loan: The materials to be submitted include: identity certificate, household registration book, marriage certificate, income certificate, real estate license, mortgage real estate assessment report, loan purpose certificate and other materials specified by the bank. Loan proportion, term and interest rate of real estate mortgage loan: the loan amount is determined according to the different loan purposes selected, but generally it does not exceed 60% of the assessed net value of mortgaged real estate; Generally not more than 20 years; The loan interest rate is subject to the provisions of the People's Bank of China on personal consumption loans. Repayment method of real estate mortgage loan: for loans with a term of less than 2 years, you can pay interest on a monthly basis and repay the principal once or twice; For loans with a term of more than 2 years, you can choose the repayment method of equal principal and interest or the repayment method of average capital (decreasing). Fees to be paid for real estate mortgage loan: real estate assessment fee, mortgage registration fee, lawyer's fee (charged by individual banks) and insurance fee (foreigners also need notarization fee). Application procedures for real estate mortgage loan: 1. Submit information, submit an application, 2. Bank investigation and approval. Sign loan contracts and other legal documents. Apply for mortgage registration and purchase insurance. Loans, 6. The borrower repays the loan on time as agreed in the contract. Settle the loan and cancel the mortgage registration. The personal housing mortgage loan launched by China Construction Bank refers to a personal housing loan with property owned or owned by others as collateral. The basic provisions of CCB for such loans are as follows: 1. The loan amount shall not exceed 70% of the assessed value of the collateral or the value of the house purchased, and the lower, the higher. 2. If the house is used as collateral, the service life of the collateral shall not exceed 15 years; If the house number is mortgaged, the service life of the mortgaged property shall not exceed 20 years. Three. The loan term generally does not exceed 10 year. Four. The loan interest rate is subject to the individual housing loan interest rate stipulated by the People's Bank of China, that is, if the term is within 5 years (including 5 years), the annual interest rate is 5.31%; The term is more than five years and the annual interest rate is 5.58%. 5. The loan term is within one year (including one year), and the principal and interest are repaid at maturity; If the loan term is more than one year, the principal and interest will be repaid monthly.

What are the conditions for real estate mortgage loan?

Real estate mortgage loan must meet the following conditions: 1, a natural person with full civil capacity, aged between 18 and 65 years old; Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation; 2. Have legal and valid identity certificate, household registration certificate and marital status certificate; 3. Have a good credit record and willingness to repay; 4, with a stable source of income and the ability to repay the principal and interest in full and on time; 5. Provide legal, effective and reliable house mortgage recognized by the bank; 6. Open a personal settlement account in a bank; 7. Other conditions stipulated by the bank.

legal ground

"Measures for the administration of urban real estate mortgage registration" Article 8 The following real estates shall not be mortgaged:

(1) Real estate with disputed ownership;

(2) Real estate used for public welfare undertakings such as education, medical care and municipal administration;

(three) buildings listed as cultural relics protection and other buildings with important commemorative significance;

(4) Real estate that has been announced according to law;

(5) Real estate that has been sealed up, detained, supervised or restricted in other ways according to law;

(six) other real estate that may not be mortgaged according to law.

Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.