The longest loanable period of house mortgage loan is 1-30 years.

Application conditions: residence, commercial housing, etc. (The property right is clear, and the property has been in the customer's name for less than 3 years)

Mortgagor or borrower (aged 25-55, in good health)

Credit information cannot be overdue for 3 consecutive times or 6 times in total within 24 months.

Can prove the source of repayment and other assets.

Preparation materials: husband and wife's identity documents, household registration book and its copy, marriage certificate, work unit certificate, etc.

Application conditions

Purpose/amount/term/repayment of the loan

Second, the house ownership certificate

Three. Proof of work and income (both husband and wife)

Fourth, the household registration book (husband and wife)

Verb (abbreviation of verb) ID card (husband and wife)

Six, marriage certificate

Seven, personal assets or financial proof, print.

Remarks: Unmarried divorce certificate (including widowed), the mortgage of the house needs the effective consent of the owner.

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1. Property Ownership Certificate

2. Rights holder and spouse's

3. Household register of the obligee and spouse

4 (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

6. If the property owner has minor children, please provide birth certificate.

7. If the property has a bank loan, please provide the bank statement of the original loan.

8. In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). )

Personal housing mortgage loan means that the borrower mortgages real estate in his own name and applies for RMB secured loan for personal legal compliance purposes, including personal purchase, car purchase, consumption, business and other legal and other purposes.

Second, what are the conditions for both husband and wife to borrow money to buy a house?

You must have documents that can prove your repayment ability, such as salary certificate, marriage certificate, mortgage bank running water and so on.

3. What are the conditions for a marriage certificate loan?

Marriage is a sacred and solemn thing, and it is also something that every country attaches great importance to. Different countries have unique laws and regulations to protect marriage, and China also has unique provisions on the contents of marriage certificate loans. So what are the conditions for a marriage certificate loan? What is a marriage certificate? A legal document issued by the marriage registration authority to prove the validity of the marriage relationship. The original is in duplicate, one for male and one for female. The style shall be uniformly formulated by the Ministry of Civil Affairs, printed by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government, and sealed by the people's governments of counties, municipal districts and cities without districts. Marriage certificate must be affixed with photos of both men and women, and stamped with the special seal for marriage registration. If the marriage certificate is lost, the Civil Affairs Bureau may apply for a replacement. 1. Both husband and wife need to have legal China citizenship. 2. Both husband and wife should have stable income, and credit should not be tainted. Both husband and wife must be able to repay the principal and interest of the loan. 3. Both husband and wife need to have legal and effective housing contracts and agreements and other supporting documents required by the loan bank. Both husband and wife should raise more than 30% of the total house price, and can only buy a house with an area less than 90 square meters, so as to ensure that they can afford the down payment when buying a house. 5. When handling the marriage certificate loan, there must be assets approved by the bank that can be used for mortgage or pledge, or a legal person or natural person with sufficient compensation capacity as the guarantor. 7. Other conditions stipulated by the lending bank. As we all know, independent property before marriage belongs to personal property, and all property after marriage belongs to both husband and wife. Therefore, if couples want to buy a house with a marriage certificate loan, they must show their marriage certificate, because it belongs to * * * property and will not lead to the occurrence of property in the future divorce. In fact, the relationship between the loan and the marriage certificate is not particularly great. It is important to have collateral when lending. General loans require good personal credit, stable economic income and good repayment record. If all these are in line, then show your marriage certificate, and the bank will calculate it according to your monthly salary. The general loan amount is about four to eight times your monthly income! Marriage certificate loan belongs to the common property of both husband and wife, and husband and wife must distinguish it well, so don't make trouble because of such things. The amount of marriage certificate loan is mainly agreed according to the wages of both parties. For couples who need loans, they also need to know more!