2. With legal status, you can provide ID card, residence booklet, passport and military officer's card (foreigners need to provide temporary residence permit).
3. Have legal and stable economic income, good credit, no criminal record, and the ability to repay the loan principal and interest on schedule.
There are non-agricultural registered permanent residence, outsiders also need a guarantor in this city.
5. The purchased house shall also meet the following conditions:
* Private property houses with real estate licenses are used for residence *
* The property right of the house is clear, unsecured and not transferable *
6. The loan term and proportion meet the following standards:
* loan term+house age
* loan term+borrower's age
* Loan amount
I. Information required for loan:
1. The borrower's valid ID card, household registration book and hand stamp,
* If you are unmarried, you need to provide a marriage certificate (indicating unmarried) *
* If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate (the husband and wife are not in the same household registration place) *
* Divorce requires marriage certificate (stating that divorce is not remarried) and divorce certificate *
2. The borrower's income certificate (complete and true with the official seal of the unit or the seal of the labor department)
3. The seller's valid ID card, household registration book, stamp, real estate license and land use certificate.
(2) loan procedures
A: Mortgage loan.
1, connector
Step 2 evaluate
Appraisal fee = appraisal price *0.5% 2 appraisal working days.
3, loan approval (guarantee company audit)
The Warrant Department informs the customer to go through the loan review procedures at the designated bank, and the borrower and relevant parties must be present in person.
Loan approval for 7 working days
4. Transfer of ownership
After the approval of the bank, notify the buyer and the seller to go through the transfer formalities at the Housing Authority.
Step 5 get a license
The transfer personnel should go to the Housing Authority to get the warrants on the specified date.
Step 6 get a loan
The lender will hand over the warrant to the bank and the loan will be issued within 3 working days.
, fasteners
After the loan is received and the loan procedures are completed, the warrant department will hand over all the documents to the signing center, and the signing center will go through the formalities of closing the documents with the customer.
China merchants bank mortgage
1. Information required for loan application:
Seller: ID card, household registration book, handprint, real estate license and land use right certificate of the property owner;
Buyers: ID card, household registration book (marriage certificate is required when husband and wife are not in the same household registration), divorce certificate, stamp, personal income certificate (China Merchants Bank and guarantee company version), and temporary residence permit for foreigners.
Second, the relevant conditions of the loan:
1. Conditions to be met for the purchased house:
* Private houses that have obtained ownership certificates and are used for living.
* The property right of the house is clear, unsecured and not transferable.
2. Determination of loan term:
* loan term+house age < 30 years (house age = loan handling year-house completion period+1)
* loan term+borrower age < 60 (male); < 55 (female) (civil servants and teachers can provide proof of extension of 5 years)
3. Whether the loan amount is accurate:
amount of loan