Prepare a 30% down payment, the monthly payment should not exceed 50% of the monthly income, and the credit record is good. Specific conditions and required materials are as follows.

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1, housing mortgage loan application conditions

Having legal and valid identification (resident ID card, household register or other valid identification) and proof of marital status;

Have a good credit record and willingness to repay;

Have a stable source of income and the ability to repay the loan principal and interest in full and on time;

Commercial housing sales (pre-sale) contract or letter of intent for purchased housing;

Have the ability to pay the down payment of the purchased house;

Open a personal settlement account in a bank;

There is a valid guarantee recognized by the lender;

2, housing mortgage loan application materials

Identity documents;

Proof of marital status;

Proof of repayment ability and income;

Proof that the down payment for house purchase has been paid;

A legally binding commercial housing sales contract signed with a real estate developer;

If there is a * * * borrower or a * * owner, the * * * borrower or the * * owner shall provide relevant identity documents and a pledge to agree to mortgage, and if there is a * * * borrower, proof of repayment ability shall be provided;

Other information required by the bank.

On the amount of mortgage loan for first-hand houses

Generally, the maximum loan amount of a first-hand housing loan is 80% of the property value. Applicants are required to have a stable source of income and a good job to ensure the timely repayment of principal and interest.