The bank will investigate the applicant first. The applicant's ID card and household registration book. If the user members and immediate family members participate in the loan, the bank should also check the ID card and household registration book. If the spouse does not participate in the loan in the same account, a marriage certificate is also required. Where an applicant requests a provident fund loan, it shall provide proof of timely payment of the provident fund. In the investigation of the applicant, the most important thing is whether the applicant has the financial repayment ability.
Conditions and materials to be provided for applying for mortgage The conditions to be met for applying for mortgage mainly include the following points:
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Open a personal settlement account in a bank;
7. Other conditions stipulated by the bank.
Nowadays, more and more people buy houses with loans, but many people don't know enough about the basic knowledge of mortgage. Today, I summed up several different ways of buying a house loan.
1, housing provident fund loan to buy a house
For residents who have participated in the housing provident fund deposit, low-interest loans for housing provident fund should be the first choice when buying a house with loans. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.
2, housing commercial loans to buy a house
Housing provident fund loans are limited to employees who pay housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.
As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment for house purchase, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan.
3, housing portfolio loans to buy a house
Housing provident fund management can issue provident fund loans, and the high limit in different cities is different. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans.
This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.
Nowadays, more and more people buy houses with loans, but many people don't know enough about the basic knowledge of mortgage. Today, I summed up several different ways of buying a house loan. You can buy a house without a provident fund. Bian Xiao introduced several mortgage methods today and summarized how to buy a house without provident fund. What should I pay attention to? I hope I can help you buy a house. Here today.
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