yes.

Application conditions

First, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

thirdly, the credit record is good and there is no bad credit record.

fourth, it can provide legal and effective guarantee recognized by the bank.

fifth, other conditions stipulated by the bank.

generally meet the above conditions, you can apply for a loan from a commercial bank.

Extended information:

Repayment method

1. Repay the loan in equal installments according to the signed payment contract. Customers should take the initiative to deposit their monthly loan principal and interest in their house purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;

2. prepayment: the customer should apply to the bank one month in advance, which can exempt the loan interest at the advanced time, but the interest rate is still at the same period of the original loan term.

calculation of loan repayment. If the loan term is less than one year (including one year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off with the principal; If the loan term is more than one year, the equal repayment method will be implemented, and the principal and interest of the loan will be repaid in monthly installments.

for individual housing loans, the borrower can repay the loan in advance after obtaining the consent of the lender. The borrower can choose the following two ways to repay the loan in advance:

After the loan expires for one year, the borrower can apply to repay the outstanding loan principal and interest in advance at one time.

the borrower applies for partial prepayment, and collects several repayable loans within the whole loan term into one installment for repayment. The remaining unpaid loans can be handled by shortening the original agreed loan repayment period, or keeping the original agreed loan repayment period unchanged and reducing the monthly repayment amount.

loan fee

(1) lawyer's examination fee. In the process of applying for a loan, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer entrusted by the bank, and this fee is generally borne by the applicant. This expense in Guangzhou is borne by the bank. The lawyer's entrustment fee is generally 3‰ of the loan amount.

(2) notarization fee. If the loan applicant is a husband and wife or a buyer, other people have to make a statement on whether they agree to mortgage the house to the bank, and this statement needs notarization.

(3) Property registration fee. After getting the real estate license, the property buyers should go to the registration authority for mortgage registration and pay the registration fee.

(4) insurance premium. When applying for a mortgage loan, the borrower should apply for property insurance for the collateral. During the mortgage period, the insurance policy shall be kept by the lender, that is, by the lending bank. The property insurance premium rates of different insurance companies are slightly different. The notarization fee, mortgage registration fee, insurance fee, authentication fee, evaluation fee, deed tax, stamp duty and other related taxes and fees involved in obtaining the loan from the bank shall be borne by you.

Baidu encyclopedia-personal loan