2. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.
3. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors. Other conditions stipulated by the lending bank.
Commercial housing loan process
1. Submit a loan application to the bank.
The content should explain the purpose, amount and term of the loan.
2. Submit loan information
Individuals applying for mortgage loans need to provide the following information: borrower's ID card, running water in the past six months, work certificate, credit report, house property certificate, etc. If an enterprise needs to mortgage real estate, the materials it needs to provide include business license, articles of association, capital verification report, purchase and sale contract, running water of the last six months, annual financial statements of the previous year, financial statements of the last six months, and asset certificates.
3. House evaluation
Step 4 apply for a loan
The housing appraisal company submits the appraisal report or appraisal opinion to the bank for approval.
5. Sign a loan contract
The borrower and the lending institution shall sign and seal the loan contract and all relevant documents, which shall be notarized by a notary.
6. Mortgage registration procedures
The bank shall go through the mortgage registration formalities at the real estate office with the house ownership certificate and notarized loan contract.
7. Bank loans
Due to the different regulations of banks, loans will be made to the accounts of cooperative merchants in the form of cash, punch card or remittance.
Materials required for the first home loan
1, mortgaging a house requires a lot of formalities. First, you must have the buyer's ID card. In addition to the original account book of the buyer, there are also six copies of these documents.
2. mortgage to buy a house needs to prepare the original marriage certificate and give others a copy.
3. You need loan qualification when you are in mortgage to buy a house, so you need to prepare your original income certificate when you buy a house. In addition, if there is no unit, you need proof from the relevant departments in your community or area. Marriage requires the documents of both husband and wife.
4. In addition to the above documents, you need to prepare a bank statement for at least half a year. Generally, it needs more than twice the monthly payment, and can provide materials such as driving license and stocks that can prove the repayment ability, which is convenient for banks to check and verify.
5. Need to apply for the property certificate of the place where the house has been purchased. When applying, you can go to the Housing Authority in your area. The Housing Authority will generally issue a certificate soon after verification.
6. Now the mortgage is almost finished. The last part is the original proof of the down payment for the house purchase, so that the bank can check with the relevant departments. In addition, three down payment certificates are required.