1, stable occupation and income, good credit, and the ability to repay the loan principal and interest;

2. There is a purchase contract or agreement;

3. Have the ability to pay the down payment with its own funds according to the proportion required by the bank;

4. Other conditions stipulated by the bank. ?

Second, the handling process

1. The customer applies to the handling bank and submits relevant materials;

2. The handling bank accepts the application and conducts pre-loan investigation;

3, after the completion of the investigation, according to the examination and approval authority to the competent examination and approval department for examination and approval;

4. Sign a loan contract, improve the guarantee procedures and issue loans;

5. The customer repays the principal and interest according to the repayment method agreed in the contract.

Extended data:

Product characteristics

1. Long-term: the longest loan term is 30 years (inclusive);

2. High amount: the maximum loan amount can reach 80% of the purchased house price;

3. Low cost: banks do not charge fees in the process of handling loans;

4. Flexible repayment method: average principal or equal principal and interest can be used? Payment method;

5. Good service: provide customers with efficient and convenient services such as repayment and factor change.

Changsha Bank-Second-hand Housing Mortgage Loan?