2. The original purchase agreement.
3. Original and photocopy of advance payment receipt for 30% or more of the house price 1 copy.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
How to get a loan for the second suite?
1. For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a building area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%;
2. For families who purchase a second home by loan, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses by loans, the down payment ratio and loan interest rate should be greatly increased, which should be determined by commercial banks independently according to the principle of risk management.
3. The People's Bank of China and the China Banking Regulatory Commission shall guide and supervise commercial banks to strictly manage housing consumption loans. The Ministry of Housing and Urban-Rural Development, together with the People's Bank of China and the China Banking Regulatory Commission, will work hard to formulate the second set of housing accreditation standards. At present, the identification of the second suite is still based on the family, subject to whether there is a loan record.
What are the conditions for the second home loan?
1. The number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children). For families who have used bank loans to buy their first home, if their per capita housing area is lower than the local average.
2. If you apply for a housing loan from a commercial bank again, it can be implemented according to the first set of self-housing loan policy, but the borrower needs to provide the query results of the total area of family housing issued by the local real estate management department according to the housing registration information system. The average level of local per capita housing is based on the data released by the statistics department last year. Others are executed according to the second home loan.
3 families who have used housing provident fund loans to purchase houses apply for housing loans from commercial banks again, in accordance with the provisions of the preceding paragraph.
4. Commercial banks should earnestly fulfill their obligation to inform and require borrowers to submit real proof materials such as real estate, income, household registration and tax payment according to the principle of good faith. All commercial banks shall not accept their credit applications if they find that they have filled in false information or provided false certificates. Commercial banks shall not accept false income certificates issued by verified units.