If a self-built house meets the conditions for a bank loan, you can apply for a loan. The bank loan requires a property with complete property information and a large property that can be listed and traded;

1. House Mortgage application conditions:

Nature of the house; residential, office building, villa, commercial housing, cost-priced housing, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years

The mortgagor (normal age is 18-65 years old) and is in good health

The mortgagor’s credit report must not be involved in the past 24 months 6

The mortgagor can prove the source of repayment and other assets (Large-amount time deposit certificates, second set of real estate, stocks, funds, etc.)

The actual purpose of the funds is clear

2. Preparation materials: Borrower and spouse’s ID cards, original household registers and Copy (if you are single, you need to issue a single certificate)

Certificate of the borrower’s marital status and a copy

Family property, car ownership certificates and copies, and other asset certification materials (house ownership Originals and copies of warrants, land use certificates, and deeds)

Statements of personal main bank accounts for the past 6 to 12 months (stamped with banking business seal)

Proof of income from work unit

Home private loan slip and other supporting materials

Evaluation report

3. House mortgage loan process:

Submit materials

Sign bank documents

House appraisal

Bank approval

Bank loan

Mortgage registration

Monthly repayment