You can get a loan as long as you meet the conditions for a home mortgage loan.

Loan conditions:

1. Have a legal identity;

2. Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record ;

3. Have a legal and valid house purchase contract;

4. If the newly purchased house is used as the maximum amount of mortgage, it must have a legal and valid house purchase contract, and the house must be less than 10 years old. , and have prepared or paid a down payment of no less than 30% of the total price of the house purchased;

5. If a housing mortgage loan has been purchased and applied for, the original housing mortgage loan has been repaid for more than one year, The loan balance is less than 60% of the value of the mortgaged house, and the house used as mortgage has obtained a house ownership certificate and is less than 10 years old;

6. Be able to provide an effective guarantee recognized by the lending bank;

7. Other conditions stipulated by the lending bank.

Process

1. The buyer and seller sign a house sales contract and agree on the amount of down payment, loan and final payment;

2. The buyer and his spouse face the bank in person To apply for a loan, the house seller and his or her spouse must be present for confirmation;

3. The bank will investigate and approve the loan application;

4. The home buyer signs a loan and guarantee contract with the bank;

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5. The house seller transfers the property rights of the house to the house buyer, and the house seller obtains the down payment from the house buyer;

6. The house buyer handles the property mortgage registration with the bank (or by other natural persons) , legal entities provide phased guarantees for house buyers);

7. The bank issues loans to the house seller’s account;

8. The buyer and seller handle the settlement of the house property, and the house seller The buyer obtains the final payment;

9. The buyer takes possession of the house and repays the loan monthly (in the case of a phased guarantee, the buyer will re-register the property mortgage with the bank).

Extended information:

Four types of properties cannot be used for mortgage loans

1. Properties with unpaid loans must be mortgaged for consumer loans without any mortgage and Mortgage-free properties. If it is a mortgaged property or the property is under mortgage, the bank already has other rights in the property.

The bank does not allow the borrower to mortgage the property. Because two banks cannot own other rights to a property at the same time, borrowers cannot use mortgage consumption to apply for loans from banks.

2. There are two situations in which some purchased public houses cannot apply for mortgage consumer loans. One is that the purchased public houses cannot provide a house purchase contract or a house purchase agreement, because if there is an original purchase contract in the house purchase contract, Units have right of first refusal clause.

The bank cannot obtain other rights, so the bank cannot operate mortgage consumer loans for this property; the other is the central government-owned housing that cannot provide the listing certificate of the central government-owned housing among the purchased public housing, because such a property cannot If it can be listed for trading, it cannot operate this business.

3. Affordable housing for less than five years. Relocation housing is one of the government's affordable housing. It is generally managed as affordable housing, or its property is classified as affordable housing. According to national policies, affordable housing that is less than five years old is not allowed to be listed for trading, and it is also impossible to apply for mortgage consumer loans.

4. Houses with small property rights that have not obtained a real estate certificate. For houses with small property rights, if the residents do not obtain a real estate certificate, they only have the right to use the property but not ownership.

There is no ownership certificate for this property, so this type of property cannot be listed for trading, cannot be mortgaged by the Construction Committee, and it is impossible to apply for mortgage consumer loans.

Baidu Encyclopedia - Housing Mortgage Loans