Housing mortgage loan requires the life of the house to be within 20 years; The area of the house should be more than 50 square meters; The house should be highly mobile. The amount of mortgage loan is 70% of the appraised value of the house. The longest loan period for new houses is not more than 30 years, and the longest loan period for second-hand houses is not more than 20 years. The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. Generally, "house age+borrower age" means that men are under 65 years old and women are under 60 years old.
Basic conditions for applying for a loan:
1, a natural person with People's Republic of China (PRC) nationality and full capacity for civil conduct;
2. Hold valid identity documents;
3. Have a stable and legal source of income;
4. The mortgaged property has a real estate certificate with clear property rights and can be listed and circulated;
5. Other conditions stipulated by the bank.
Loan amount and term:
1, and the highest mortgage rate of commercial housing can reach 70%;
2. The mortgage rate of office buildings and shops can reach up to 60%;
3. The mortgage rate of industrial plants can reach up to 50%;
4. The longest period can reach 30 years; Mortgage loans include shops, office buildings, houses, villas, factories, warehouses and so on.
Operation process of real estate mortgage registration:
Time limit for real estate mortgage loan registration: 7 working days
The following documents are required:
1, house ownership certificate;
2. Evaluation report;
3. Real estate mortgage bank loan contract;
4. Mortgagor's ID card (leave your ID card and check it with the original);
5. Other relevant materials.
Handling process: acceptance of registration 1 day, 2 days of preliminary examination, 3 days of review 1 day, 3 days of approval, replacement of certificate 1 day, payment 1 day, and filing.
Please refer to the above answers provided by Ronglian Ye Wei.