Subjectivity of law: the following basic conditions are required to apply for a loan: 1, legal status; 2, a stable economic income, good credit, the ability to repay the loan principal and interest; 3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank; 4. Mortgaging or pledging assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors; 5. Other conditions stipulated by the lending bank. Materials to be submitted when applying for a loan: 1, ID card; 2. Proof of the borrower's repayment ability; 3. Legitimate and effective purchase (construction, overhaul) contracts, agreements or (and) other approval documents; 4. proof of down payment; 5. Loan guarantee materials; 6. Other documents and materials specified by the lending bank. Handling process: 1. Consultation on housing loan of CCB: Learn about individual housing loan objects, loan conditions, loan amount, term, interest rate, repayment methods and loan procedures through outlets, telephones or websites; 2. CCB housing loan application: submit the materials needed for CCB to apply for individual housing loan; 3. Signing: After the customer's application is approved, sign a housing loan contract with CCB; 4. Housing loan issuance of CCB: When the conditions are met, CCB will issue loans according to the contract; 5. Customer repayment: the customer repays on time as agreed; 6. loan settlement.
Legal objectivity: Conditions for buying a house by loan: 1. Agree to use the purchased house as collateral. 2. The age of the borrower plus the loan period shall not exceed 65 for men and 60 for women. 3. Have full capacity for civil conduct; Have permanent residence or valid residence status in China. You must pay a down payment of not less than a certain percentage of the total price of the house purchased. 5. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan. 6. A house purchase contract or agreement has been signed. Documents required for loan to buy a house 1, loan documents for local buyers: my household registration book, ID card, income certificate of fixed unit, business license of the unit (copy with official seal), monthly bank transfer certificate, corresponding education certificate, marriage certificate for married people and single certificate for unmarried people. 2. Loan certificate for buyers from other provinces and cities: my temporary residence permit, income certificate of fixed unit in Beijing, business license of the unit (copy with official seal), monthly bank remittance certificate, and corresponding education certificate. Marriage certificate is provided for married people, and single certificate is provided for unmarried people. 3. Loan certificate for overseas buyers: On the premise that only one house can be purchased in Beijing, overseas buyers need to fill in the Approval Form for Foreigners to Purchase Houses in Beijing, and then provide Beijing residence permit, household registration certificate for more than one year, proof of stable work income for more than one year, tax bill and bank account. In addition, foreigners also need notarization, and the name on the notarial certificate must be from China. Procedures for buying a house by loan: 1. First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials. 2. Then accept the bank's review of you and determine the loan amount. 3. Next, you can apply for a loan contract, and the bank will apply for insurance. Handle the registration and notarization of property right mortgage. 4. The last thing left is the bank loan. The borrower repays the loan every month and cancels the registration after paying off the principal and interest. After the above procedures and formalities, you can get a new house through mortgage. Through what the reporter said above, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him.
Second, what are the procedures for married people to buy a house mortgage now?
Supplement upstairs. For freelancers, you need to get a running payroll and proof of salary, preferably a little more than twice the monthly salary. I have to have social security for more than one year. I can't stop for a day.
3. Can a married party go to mortgage to buy a house alone?
can
One spouse can buy a house with a separate loan. The house purchased during the marital relationship between husband and wife, but there is no clear agreement between husband and wife, and only one person's name is written on the real estate license, which should be recognized as the joint property of husband and wife. Therefore, even if there is no clear agreement on a loan to buy a house, it is the same property after marriage. If you divide it later, it will still be the same.
4. What are the procedures for married people to buy a house mortgage now?
Married couple 1 ID card, 2 household registration books, 3 marriage certificates (divorce certificates, divorce certificates) (note: name ID cards, household registration books and marriage certificates need to be kept all the time), 4 income certificates (the same income of both husband and wife must be more than twice the sum of the loan amount and the monthly property management fee), and 5 first proof of house purchase.