Procedures and procedures for commercial loans for individual housing

I. Basic conditions for mortgage loans for commercial housing

1. The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The purchased house is located in a town (including urban area, county town and big market town) and in principle is the borrower's current residence or place of work and business;

3. The Commercial House Sales Contract has been signed with the developer, and the down payment ratio stipulated by the bank has been paid according to the personal credit situation, with the minimum being more than 3%;

4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the realization ability of the purchased house.

5. Agree to go through the mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan collateral and go through the mortgage registration formalities again after the purchased housing is completed and the real estate certificate is obtained;

2. Information to be provided

1. 3 originals and photocopies of the applicant's and spouse's ID card and household registration book (if the applicant and spouse do not belong to the same household registration, a marriage certificate shall be attached);

2. Commodity House Purchase and Sales Contract signed by the purchaser and the company;

3. One original and one copy of the advance payment receipt for 3% or more of the house price;

4. proof of income of the purchaser (provided by the bank and placed in the sales office);

5. If the borrower is a legal person, he/she should carry a valid Business License for Enterprise Legal Person or Business Legal Person License, legal representative identity certificate, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate of consent of the board of directors to mortgage;

6. One collection account number of the developer.