First, the process of applying for housing loan.
1, a citizen of China (excluding Hong Kong, Macao and Taiwan), aged 18-65 years old, salaried workers and business people who have worked in the current unit for more than six months (if less than six months, but the work content of this unit is the same as that of the previous unit, and the working years of the previous unit can be accumulated).
2. There are no minors under the age of 18 and no adults over the age of 70 (including 70) among the owners of the mortgaged property.
3. If the property is mortgaged for the second time, the first mortgagee of the property must be the bank.
4. The borrower needs to own one or more sets of ownership houses (at least one set of ownership houses in this city).
Second, apply for housing loan materials
1, real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)
2. Identity cards of the obligee and his spouse
3, the holder and spouse's household registration book
4. Proof of income
5. If the property owner has minor children, please provide birth certificate.
6. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.
7. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).
Extended data
Application conditions
1, with legal identity documents, good reputation, stable economic income and the ability to repay the loan principal and interest on schedule;
2. 18 years old or above, age plus loan years, male citizens should not exceed 65 years old in principle, and female citizens should not exceed 60 years old in principle;
3. For loans from personal business premises, the business enterprise shall be established for more than half a year, and for loans in the name of major shareholders of corporate clients, legal persons, other major shareholders and actual controllers shall provide joint and several liability guarantees.
deadline
1. The longest term of individual housing loan in Bank of Zhengzhou is 30 years, and the longest term of individual commercial housing loan is 10 year.
2. Loans issued by real estate mortgage shall not exceed the service life of the mortgaged real estate; Where securities are pledged, the longest loan period shall not exceed the maturity date of the securities.
Matters needing attention in handling personal loans
1. When applying for the loan amount, we must be moderate and fully consider the financial situation and financial habits of individuals and families. Usually, the monthly repayment amount should not exceed 50% of the total family income.
2. Keep a good credit record. Once the credit record is bad, it will directly affect the operability of the loan and may even be refused by the bank.
3. Provide real personal information to the bank when lending, cultivate a good sense of integrity from the beginning, and never provide false information, otherwise it may be included in the "blacklist" of banks and rejected by all banks; Notify the bank in time when personal information changes.
4. The loan applicant should have a stable source of income and have the willingness and ability to repay. Office workers should provide proof of unit salary, bank running water and so on. , and the company or self-employed to provide information to explain the operating conditions, provide bank flow, physical assets (such as real estate), financial assets (such as bank certificates of deposit, national debt).
Refer to Baidu Encyclopedia-Personal Housing Mortgage Loan
Refer to Baidu Encyclopedia-Housing Mortgage Loan