First, what conditions do you need to buy a house with a loan?
1. The original resident ID card, household registration book, marriage certificate and personal graduation certificate of the loan applicant.
2. The loan applicant has a legal and valid resident identity card; If you are applying for a policy-oriented housing loan, you must have a household register of local permanent residence.
3. The loan applicant has a stable job and income, good credit and the ability to repay the principal and interest of the loan.
4. Letter of intent for the loan applicant's house purchase contract or other relevant documents.
5. The value of the loan amount is determined according to the credit situation, work situation, repayment ability and liquidity of the purchased house of the loan applicant.
6. Other supporting documents required by the lending bank. If it is a second-hand housing loan, you also need to provide a copy of the seller's real estate license, resident ID card and marriage certificate.
7. The loan applicant must have mortgaged or pledged assets recognized by the bank, or be a guarantor meeting relevant requirements.
8. When applying for a loan, you must have a deposit of not less than 30% of the purchase price in the Construction Bank. If the loan applicant applies for a policy housing loan, then according to the relevant regulations, the applicant must pay the housing provident fund in the Construction Bank.
9. Other relevant conditions stipulated by the lending bank.
Second, the housing loan application materials
1, ID card, household registration book and proof of marital status of the loan applicant. If you are unmarried, you need to provide proof of unmarried; If you are divorced, you need to provide a civil mediation or a divorce certificate issued by the court (you need to indicate that you have not remarried after divorce); If you are married, you need to provide the other half's resident ID card, household registration book and marriage certificate.
2, the loan applicant's salary income certificate in the last six months or the relevant local tax payment certificate.
3. Property certificate of the house purchased.
4. Married guarantors need to provide resident ID card, household registration book, marriage certificate, etc. If the guarantor is not married, proof of unmarried is required.
Although the loan process is simple, we should be careful about the details and materials of the process. The above is the introduction of the conditions for buying a house by loan, and the relevant contents of the application materials for buying a house loan. Dear friends, you must know more about it before buying a house loan.