1, at least 18 years old, only adults with full capacity for civil conduct can apply for loans.
Note that if parents buy a house for their children, when they are underage, they can't buy it with a loan, but only in full.
2. If you have a valid local residence status, you can provide the residence booklet or temporary residence permit certificate of the local town.
3. Cities with different housing policies will have different housing policies.
4. Personal credit keeps good. There is no bad credit record or serious negative information in the credit report. If you apply for a mortgage with your spouse or parents, the credit information of your spouse or parents as a borrower must also be kept good.
5. The ability to repay on time can provide sufficient economic income information, and the bank's running water cannot be less than twice the monthly mortgage repayment.
6. The down payment is up to standard.
(1) The minimum down payment for the first home commercial loan is 30%, and the minimum down payment for the second home loan is not less than 40% according to the regulations of the State Council.
(2) Purchase a house with a provident fund loan, with a construction area of no more than 90 square meters and a minimum down payment of 20%; The building area is more than 90 square meters, and the minimum down payment is 30%.
7. Deposit provident fund in the local area Except for some cities that have opened provident fund loans in different places, most cities require that they must deposit housing provident fund in the local area before they can apply for provident fund loans to buy a house in the local area.
8. When the provident fund is paid in full, it is generally necessary to pay the housing provident fund in full and on time for half a year or one year in order to apply for the provident fund loan.
9. If the provident fund account is not sealed, the housing provident fund account in the month of application must be in a normal deposit state. If the account is sealed, the loan cannot be processed temporarily (the withdrawal business is not affected), and the loan can only be made after the subsequent account is unsealed and the housing provident fund is paid back.
10, the provident fund loan has been paid off. If you have applied for a provident fund loan in your name, you must pay off the loan before you can apply for a new provident fund loan.
1 1. The number of provident fund loans shall not exceed the limit. Provident fund loans can be handled twice at most. If two houses have been purchased by provident fund loans, no matter whether the loans are settled or not, the third house can no longer apply for provident fund loans and can only apply for commercial loans.
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What if overdue loans are sued for mortgage?
If the house mortgage is sued by loans overdue, it is suggested to deal with it in the following ways.
1. Pay off overdue debts quickly. As long as the debt can be paid off in time, the bank should take the initiative to withdraw the lawsuit.
If you can't pay it back for a while, try to pay it back first.
2. After you repay part of it yourself, you can take the initiative to contact the customer service of the bank to negotiate and tell the other party that you don't have enough repayment ability for the time being. It is best to provide some information to prove that you have not intentionally repaid, and express your willingness to actively repay. Then you can try to apply for an extension of the repayment period and repay by installments.
If the negotiation is successful, the bank will also withdraw the lawsuit.
The bank may disagree for a while. If negotiation fails, you can adjust your extension plan and try to communicate several times.
If it is really impossible to negotiate, we can only find another way. For example, you can try to borrow money from relatives and friends to raise funds to repay the arrears, then repay the loan first, and then find opportunities to return the money to relatives and friends (it is better for relatives and friends to borrow money to discuss the repayment time).
Of course, it should be noted that if the court has accepted the judgment, it is necessary to repay the arrears in time according to the judgment result of the court.
If it is still not returned after the judgment of the court, the court can enforce it, and then take back the mortgaged house for auction, and the proceeds from the auction will be used to pay off the arrears.