2. Stable economic income and good credit record.
3, have the ability to repay the loan principal and interest, and provide true income documents.
4. The sum of the loan application period plus the existing age shall not exceed 60 years of age. If there are * * * owners of the mortgaged property, one of them must be determined as the main applicant for the loan application, and the main applicant must meet the above conditions.
5. The sum of the service life of the mortgaged property and the mortgage life is generally not more than 30 years. The borrower and the seller sign a real estate sales contract and pay a down payment of not less than 30% of the house price. Other conditions stipulated by the bank.
What information do I need to prepare for buying a house?
1. Housing loan requires the borrower's personal housing loan application.
2. A copy of the borrower's ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence certificates) shall be provided for the house purchase loan.
3, housing loans need to be approved by the handling bank, the borrower's stable income certificate issued by the relevant departments, or other proof of solvency.
4 housing loans need to be legally purchased housing contracts, agreements and related approval documents.
5. The list of mortgage or pledge rights and ownership certificate of housing loan, the certificate of consent to mortgage or pledge issued by the deprived person, and the mortgage evaluation report issued by the evaluation institution recognized by the loan bank.
6. Buying a house loan requires the written commitment of the guarantor to provide guarantee and the credit certificate of the guarantor.
7. Housing loans require the borrower's bank deposit certificates, voucher-type treasury bonds and other securities that the borrower intends to provide to the loan bank for pledge.
8. The house purchase loan requires the relevant certificates of the self-raised funds used by the borrower to purchase (overhaul) the house.
9. Buying a house loan requires a house sales (pre-sale) license or a real estate license (existing house) (copy).
10. If the borrower's spouse and * * * apply for a loan, they should clearly fill in the relevant information of the spouse in the loan application form and show their marriage certificate and household registration book.
1 1. Housing loans need other documents and materials specified by the lending bank.