As housing prices continue to rise, people need bank loans to buy houses. Recently, a friend asked the editor, can I get a loan to buy a house after retirement? What documents are needed for a down payment of a loan to buy a house? Today the editor will answer the question for you. Friends who want to know may wish to take a look with the editor!
1. Can I get a loan to buy a house after retirement?
Usually retirees cannot use provident fund loans to buy a house. Retirees can only withdraw provident funds and cannot apply for provident fund loans. They can only make commercial loans. According to the bank's loan regulations, the borrower must be between 18 and 65 years old. Those over 65 cannot apply for loans.
2. What documents are needed for loan down payment to buy a house
1. The original and copy of the borrower’s ID card;
2. The ID card of the borrower’s spouse Original and copy;
3. Original and copy of household register of the borrower and his/her spouse;
4. Original and copy of marriage status certificate of the borrower;
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5. Proof of work income of the borrower and his spouse;
6. Original price and copy of the sales contract signed when purchasing a commercial house;
7. Down payment Original and copy of the invoice;
8. Invoice for the maintenance fund paid;
9. Application form for registration of transfer of house ownership provided by the developer;
10. Personal name seal of the borrower.
3. What are the conditions for bank loans?
1. The party applying for the loan must be a natural person with civil capacity.
2. Must have a permanent urban residence or valid residence status, and the loan party must have a legal identity.
3. The party applying for a loan must have a stable career and income, good personal credit, and the ability to repay the principal and interest of the loan.
4. It is required to provide assets recognized by the bank as collateral, or to have a unit that meets the conditions specified by the bank and has the ability to repay the loan as a lender to repay the principal and interest of the loan, and an individual who can assume joint and several liability as a guarantor.
The editor summarizes: The above is what the editor has shared with you. Can I get a loan to buy a house after retirement and what documents are needed for a loan down payment to buy a house. I believe you will have a corresponding understanding after reading the above sharing. If you need to know more For more relevant information, please continue to pay attention to the Qijia.com website, and the editor will answer your questions one by one.