: 1. What are the conditions and procedures of mortgage loan?
The information and procedures required for handling the house purchase loan are as follows:
Buy a new house:
ID card, household registration book, marriage certificate, income certificate, bank account, and house purchase contract (providing information on both husband and wife for married people)
Conditions: As long as there is a stable income and the bank has running water, the monthly running water is enough. The monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment needs 2,000 yuan, and the monthly income needs about 4,000 yuan. Another requirement is that the credit can't be overdue. The requirement of ordinary banks is that they cannot be overdue for three times in a row and six times in two years, which is based on families.
Buy a second-hand house:
ID card, household registration book, marriage certificate, income certificate, bank account, (married couples provide information)
The conditions are the same as those of a new house: as long as there is a stable income and the bank has running water, running water every month is enough. The monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment needs 2,000 yuan, and the monthly income needs about 4,000 yuan. Another requirement is that the credit can't be overdue. The requirement of ordinary banks is that they cannot be overdue for three times in a row and six times in two years, which is based on families.
Second, what qualifications do you need to buy a house with a loan?
General conditions:/kloc-a person with full capacity of 0/8 years old; The maximum age for male loans is 65 years old, and the maximum age for female loans is 60 years old; And the sum of the loan period and my age does not exceed the prescribed upper age limit, and the down payment shall be paid according to the prescribed proportion; No bad credit record; The total loan term shall not exceed 30 years; The monthly payment shall not exceed 50% of the total household income. Both husband and wife of the borrower are present at the same time.
Information to be provided: (1) Original and photocopy of my or my husband's ID card, 7 for the principal borrower and 5 for the owner. (Second-generation ID card, both sides of the ID card should be copied on a piece of paper at the same time);
(2) The original and photocopy of the household registration book of myself or both husband and wife (including the first page, the first page, the personal page and the occupied page of * * *);
(3) Marriage certificate: 1. Married: 3 originals and 3 copies of marriage certificate (photo page and content page) are required; 2. Single: 1 2 originals (validity period 1 month) The single certificate is issued by the marriage information data of the civil affairs bureau where the household registration is located; 3. Divorcees: 3 originals and 2 copies of divorce certificate (photo page and content page) or 2 originals and 2 copies of court judgment or divorce agreement are required. At the same time, the original 1 issued by the civil affairs bureau where the household registration is located and two non-remarried certificates (validity period 1 month) are required; 4. Widowed: 2 originals and photocopies of the spouse's death certificate, and 2 originals and photocopies of the 1 non-remarriage certificate issued by the civil affairs bureau where the household registration is located (validity period 1 month);