1, with legal residence status.

2. Have a stable occupation and income.

3. Have the ability to repay the loan principal and interest on schedule.

4. There are assets recognized by the loan bank that can be mortgaged or pledged, or (and) there are guarantors who meet the prescribed conditions for their guarantee.

5, there is a contract or agreement to buy housing.

6. When applying for a loan, there is a deposit of not less than 30% of the funds needed for buying a house in the bank. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required.

Second, apply for commercial loan materials for house purchase

1, my household registration book, ID card or other valid proof of residence.

2. Proof of occupation and income

3, purchase contract or letter of intent and other related documents.

4. Proof that the down payment accounts for 30% of the house price.

Extended data:

Matters needing attention and process related to commercial mortgage

1. Submit a loan application

After signing the house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit complete materials approved by the bank to the bank for review.

2. The bank is under investigation.

After the bank receives the application materials of the loan applicant, it will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month.

During the bank investigation, the loan applicant will be asked to supplement some information according to the situation, and the loan applicant needs to keep in touch with the bank during this period.

3. Bank verification and approval

The loan bank will verify the housing situation and the borrower's qualification and credit status from several aspects, which is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application.

4. Both parties shall go through relevant formalities.

The bank informed the loan applicant that after the loan was approved, it was necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. When signing a loan contract and handling the guarantee formalities, you must know the detailed rules in the contract in detail and make clear your rights and obligations so as to avoid unnecessary misunderstanding.

5. Banks issue loans.

After all the loan procedures are completed, the bank will transfer the loan funds to the account of the real estate developer, and the loan relationship will be established, and the lender will repay the loan according to the regulations.

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