1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. When the loan expires, the man is not over 60 years old and the woman is not over 55 years old;

3. Have a stable and legal occupation and income source, and have the ability to repay the principal and interest.

Loan percentage

1, the housing loan generally does not exceed 70% of the total price of the house purchase contract, and the higher one does not exceed 80% of the total price of the house purchase contract;

2. The loan for commercial housing shall not exceed 50% of the total price of the purchase contract;

deadline

1. The maximum term of individual housing loan is 30 years;

2. The longest term of personal commercial housing loan is 10 year;

loan rate

1. The personal housing loan interest rate is10% lower than the benchmark interest rate;

2. The interest rate of personal commercial housing loan rises at the benchmark interest rate level10%;

3. During the loan period, when the national legal interest rate is adjusted, the new interest rate will be implemented from 1 in the following year.

Repayment method

1. Equal principal and interest repayment method: the borrower repays the loan principal and interest in equal amount every month;

2. Average capital repayment method (decreasing): the borrower repays the principal in equal amount every month, and the loan interest decreases with the principal month by month;

Two. The borrower shall provide materials (copied on A4 paper)

1. Original and photocopy of ID cards of both parties: 7 for the borrower and 2 for the spouse;

2 original and two copies of the household registration book (home page, home page and personal page).

3.( 1) The original and two copies of the marriage certificate (photo page and content page).

(2) provide the original and two copies of the unmarried single certificate (issued by the civil affairs department in the area where the household registration is located)

(3) Two originals and copies of divorce certificate and single certificate;

4. Original and photocopy of income certificates of both parties 1 copy.

Note: Private enterprises are required to provide two copies of their business licenses (they must pass the annual inspection in that year).

Two copies of the tax payment certificate for the last three months;

Other sources of income and easily realized property (rent, deposits, bonds, securities, real estate, cars, etc.). ) can also be provided.

5. The original and two copies of the down payment invoice.