Hello, if you apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying. To apply for a first-hand property loan, the following application materials are generally required: 1. Identification materials: ID card, military officer's card, etc. ; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Use certificate: the original property right certificate of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the supervision fund entry certificate is enough); 4. Proof of repayment ability. If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.

Second, how is the housing provident fund loan borrowed?

Notice on Adjusting the Housing Provident Fund Loan Policy in Our City Release Date: 20 13-04-27 Source: Click: Three county governments and administrative departments 4 departments: In order to fully implement the state, further standardize the housing provident fund loan management in our city, use the housing provident fund to improve the living conditions, and promote the stable and healthy development of the real estate market, we decided to adjust the housing provident fund loan policy in our city according to the legal provisions and combined with the current actual situation, which was studied by the center and approved by the Municipal Housing Management Bureau. The maximum amount of housing provident fund loans is now adjusted to 300,000 yuan on relevant matters. (1) Workers' families (including themselves and their spouses, the same below) use housing provident fund for the first time and pay the housing provident fund in full and on time 1 year (including 1 year); If the employees (including singles) pay the housing accumulation fund in full and on time for more than 1 year (including 1 year), the housing enterprise will pay RMB 0,000. (2) When the employee's family applies for the second time, both husband and wife have paid the housing provident fund in full and on time, and the maximum amount of housing provident fund loans has been paid in full and above 1 year (including singles), and the maximum amount of housing provident fund loans has been adjusted to 1.5 million yuan. Two, the approval of a single housing provident fund loan amount, in principle, does not exceed the sum of the balance of the housing provident fund account of the borrower or his husband and wife 10 times; If the deposit balance is low, the amount will be moderately relaxed according to the following standards: (1) If the employee housing provident fund is full 1 year (including 1 year) and the loanable amount of the provident fund is less than 1 10,000 yuan according to the multiple of the deposit balance, the loan amount of the provident fund can be relaxed to 1 10,000 yuan on the premise of meeting the relevant provisions on provident fund loans; (2) If the provident fund has reached 1 year or above (including 1 year) and the provident fund is less than the balance of deposits, if it meets the relevant provisions of provident fund loans, the provident fund is 50,000 yuan. Iii. Stop accepting the loan of employee family housing provident fund with a single building area of 144 square meters. Iv. this notice shall be implemented as of April 28th, 20 13.

Third, how to use a house loan?

Now most people will use loans to buy a house, and loans to buy a house require real estate mortgage, which is a common one. So how to borrow real estate mortgage? You can come and find out!

I want to use a house loan. How to borrow it?

1. Submit a loan application to the bank: the purpose, amount and term of the loan should also be stated in the loan application.

2. Submit loan information: If an individual applies for a house mortgage loan, he/she needs to provide the borrower's ID card, recent work certificate, credit record, real estate license, etc. Enterprises that mortgage real estate loans need to provide business licenses, enterprise capital verification reports, financial statements for the last six months, and asset certificates.

3. Housing evaluation: After submitting the information, the bank will conduct on-the-spot investigation and evaluation of the mortgaged property.

4. Apply for a loan: After that, the housing appraisal company will send the appraisal report to the bank for approval.

5. Signing a loan contract: The borrower and the lending institution need to sign a loan contract, sign it, press the fingerprint, and be notarized by a notary.

6. Mortgage registration procedures: the bank shall go to the real estate office for mortgage registration with the house ownership certificate and loan contract.

7. Bank Lending: After the mortgage registration formalities are completed, the bank lends money and remits the funds into the cooperative merchant's account in cash.

What are the mortgage conditions of real estate?

1. The borrower must be at least 18 years old, have good personal credit, have a stable job and income source, and be able to repay the loan.

2. Mortgaged houses must be commercial houses. Houses that can be traded in the market, houses with small property rights, farmhouses and welfare houses cannot be used as mortgaged properties.

3. There is no other mortgage record, and the mortgaged house is not included in the urban planning.

4. The property right of the house must be clear, and it can be owned by itself or * * *, but * * has a real estate demand * * * and the owner agrees to mortgage it.

5. The house must have considerable appraisal value in order to ensure a large loan amount and strong liquidity of the house.