Housing mortgage loan conditions:
1, 18 to 65 years old natural person;
2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
6. Have a permanent residence in the town or a valid residence status;
7. Other conditions stipulated by the bank.
Information to be provided for housing mortgage loan:
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Housing mortgage loan handling process:
1. Selecting real estate: When buyers learn in advertisements or through the introduction of sales staff that some projects can apply for mortgage loans, they should further confirm whether the real estate developed and built by developers has bank support to ensure the smooth acquisition of mortgage loans.
2. Apply for mortgage: After confirming that the property you choose has bank mortgage support, the buyer should learn about the bank's provisions on mortgage loan support for the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form.
3. Signing a house purchase contract: The bank receives the legal documents related to the mortgage application submitted by the buyers, and issues a loan consent notice or a mortgage loan commitment letter to the buyers after confirming that the buyers meet the mortgage loan conditions through examination. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
4. Signing mortgage contract: After signing the house purchase contract and obtaining the payment voucher, the buyer will sign the building mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and stipulate the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
5. Handling mortgage registration: property buyers, developers and banks shall handle mortgage registration with the real estate management department on the basis of the mortgage loan contract and purchase contract.
6. Opening repayment account: After signing the Building Mortgage Loan Contract, the purchaser opens a special repayment account in a financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.