Second, the borrower and his unit must have established the corresponding housing provident fund system, and must have paid the housing provident fund in full for not less than the specified time at the time of loan, or paid off the housing provident fund loan in full. What are the loan conditions for buying a house in Jinan?
The third point is to have a legal purchase contract or agreement. The borrower shall be the property owner agreed in the purchase contract, and the purchased housing shall be newly-built commercial housing, affordable housing, housing raised by the unit and housing renovation in related shanty towns. Relocation of resettlement houses.
The fourth point is that the relevant personnel must have a down payment of the purchased house that has been delivered not less than the prescribed proportion.
Fifth, the relevant personnel also agree to use the purchased house or other real estate recognized by the core of the provident fund as the relevant mortgage, or use movable property and rights as the pledge. The purchase of new commercial housing loans should be guaranteed by the unit that sells the purchased housing.
The process of buying a house is also crucial.
Under normal circumstances, the relevant personnel should also prepare the required information, such as the original and photocopy of the ID card of the borrower and the repayment person (husband and wife or others).
You also need the original copy of the borrower's household registration book and the original copy of the marriage certificate, as well as the valid certificate issued by the police station where the borrower's household registration is located and the temporary residence permit issued by the public security department of Jinan City.
Original relevant legal purchase contract or agreement; Proof of income of family members; At the same time, there is also proof that more than 30% of the advance payment has been paid, as well as the original and photocopy of the relevant receipt.
Letter of commitment for repayment by both husband and wife; Other information required by the bank, etc.
Relevant personnel should also have Jinan hukou, and at the same time there can only be one or less houses in Jinan. Because the current purchase restriction stipulates that local accounts can only buy two houses (family as a unit).
If it is a foreign hukou, you can only buy a house. We can find that the real estate market sales in the first half of the year are still very hot, and many banks have already experienced insufficient mortgage balance.