2. The loan qualification can be checked by the bank. Before the inquiry, you need to know the submitted materials and check whether you are eligible for loans according to the requirements of the bank.
What conditions do you need to buy a house with a loan?
1. The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan. The loan amount is determined according to the borrower's credit status, occupation, repayment ability and the liquidity of the purchased house.
2, the purchase contract letter of intent or other documents. Other certificates required by the lending bank. Second-hand houses also need to provide copies of the seller's real estate license, ID cards of several property owners and spouses, and copies of marriage certificates.
3. Copy of ID card, household registration book, marriage certificate and personal education of the principal borrower.
4. Natural persons who have reached the age of 18 and have full capacity for civil conduct and full capacity for civil liability shall have legal and valid identity certificates.
5. When applying for a loan, there should be no more than 20% of its own funds as collateral for the loan, and the purchased house is not within the scope of demolition. Choosing a more reliable bank before lending is not only convenient for lending, but also convenient for repayment. There is nothing wrong with caution. Early repayment should follow a certain process, first apply to the bank.
What should the bank do if it borrows money to buy a house?
1, credit history:
Credit record is a label of personal credit and a prerequisite for applying for a mortgage. Usually, banks will check the loan records within five years and the credit card records within two years. Banks with strict requirements will look at the records with longer term.
2, bank flow, income certificate:
As for the running water of the bank, it usually takes more than 6 months. Therefore, it is suggested that you can use a bank card with a lot of running water, and it is best to deposit funds at a fixed time every month to prove the continuity of income.
3. Status of existing houses:
Anyone who has bought a house should know that the housing situation under his name will directly affect the mortgage down payment and interest rate ratio. For example, the loan down payment and interest rate of the second suite are much higher than those of the first suite, and the cost of buying a house will increase accordingly.