Matters needing attention in handling mortgage loans:
First, you must check your personal credit information when applying for a mortgage, so you should pay attention to your credit information. You can hold your ID card to the nearby commercial bank or the People's Bank for personal credit information inquiry (both husband and wife need to inquire if they jointly apply for a mortgage). If the credit is good, you can apply, and if it is not good, it is easy to be rejected.
Second, the amount and duration of housing loans In addition, the amount and duration of housing loans applied by banks are related to the monthly repayment amount. Generally speaking, the longest term of housing loan is 30 years. Now some banks have regulations on housing loans, such as "the age of the young couple plus the term of housing loans cannot exceed 70 years". Some banks also have regulations on monthly repayment, such as not exceeding half of the monthly income of both husband and wife. Therefore, the loan term and monthly repayment amount can be calculated in advance to avoid the loan being rejected for this reason.
Third, sufficient application materials After the above preparations are completed, you can bring your personal ID card and marriage certificate (marriage certificate, divorce certificate, etc.). ), household registration certificate, income certificate and other materials, and make an appointment to apply for a loan from the nearest bank. You can find an experienced credit manager who can help you in many ways. First-hand housing mortgage loans, real estate developers will cooperate with banks to provide you with some corresponding loan services, and second-hand housing loan banks will also provide some specific services according to your situation.
Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.