1. The property right of the purchased property should be clear, the property right certificate has been obtained, or the conditions for obtaining the certificate have been met, there is no property right dispute, and both the property owner and the house owner agree to sell the property.
2. The purchased property has perfect structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction and property management, and has normal occupancy conditions.
3. There are no barriers to the listing transaction policy, and you can handle the transfer transaction and formal mortgage registration, and you have the conditions to enter the real estate market, which is easy to realize and is not included in the demolition plan.
4. The age of the purchased property (referring to the completion period of the property, the same below) is generally not more than 20 years, and the loan term plus the age of the purchased property is not more than 40 years in principle.
5. Meet other conditions stipulated by the agency.
Application materials:
1. Identity information: ID card, military officer's card, etc.
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
3. Proof of use: the original proof of the property right of the purchased property, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the proof of the receipt of the supervision funds is enough).
4. Proof of local residence: a list of fixed telephone bills, water and electricity bills or other information that can prove the address for any three months in the past year.
5. Proof of repayment ability (provide one or more of the following)
(1) Customers who meet the professional standards for quality customers of personal loans can provide proof of income as proof of repayment source. Other high-quality customers, in addition to providing proof of income, should also provide sufficient information to prove that they meet the standards of high-quality customers.
(2) Our payroll customers can directly provide their payroll account flow, without the need for the unit to issue a separate income certificate.
(3) Customers who can provide social security account running water or personal tax bills do not need the unit to issue income certificates, and the Bank calculates the customer's income according to the relevant provisions of local social security account payment or tax policies.
(4) For self-employed individuals and customers whose income is significantly higher than that of the same position in the local industry, supplementary proof materials of repayment sources shall be provided. Including but not limited to:
(1) Provide a running account or a reliable salary list of the bank that has paid wages for more than three consecutive months in the past year.
(2) Provide proof of holding shares of relevant institutions and proof of dividend income of shares.
(3) Provide proof of family assets, including financial assets or non-financial assets.
6. Other information required by the agency.