Beihai second-hand housing mortgage loan bank has strict approval. According to relevant public information, when the approval of second-hand housing loans is strict, the borrower's credit, income, debt ratio, work situation and income situation are mainly reviewed, and it takes about one month for second-hand housing bank loans.

Second, is the bank review strict when buying a house mortgage?

Commercial loan application conditions:

Have legal residence status;

Have a stable occupation and income;

Having the ability to repay the loan principal and interest on schedule;

The assets recognized by the lending bank are mortgaged or pledged by 2 1 13, or (and) guaranteed by a guarantor meeting the specified conditions;

There is a contract or agreement for purchasing houses 5261;

When applying for a loan, there is a deposit in CCB that is not less than 465,438+00230% of the funds needed for house purchase. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required;

Other conditions specified in loan amount 1653.

3. Is the forklift license of Beihai Administrative Examination and Approval Bureau true?

The forklift license issued by your municipal administrative examination and approval bureau is of course true. The forklift license is a certificate issued by your municipal administrative examination and approval bureau. After strict examination, it meets the requirements of your municipal administrative examination and approval bureau and is valid for one year. According to the regulations of your municipal administrative examination and approval bureau, forklift drivers need to pass the phase before driving the forklift on the road.

4. Are there any restrictions on buying second-hand houses in non-municipalities directly under the Central Government, provincial capitals and cities with separate plans (such as Beihai and Hepu)?

Non-provincial capitals and municipalities directly under the Central Government have no restrictions on buying second-hand houses if they are not local hukou.