(two) the applicant should have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan due;
(3) The borrower can provide relevant asset certificates, bank statements, tax bills, etc. ;
(four) the newly purchased houses are renovated, and the materials such as the house sales contract and purchase invoice are provided (or the original houses are renovated again, and the materials such as the house ownership certificate are provided);
(5) Other conditions stipulated by the Cooperation Organization.
First, how to apply for a decoration loan
(a) housing provident fund, you can apply for provident fund loans.
(2) When applying for a loan, the borrower shall prepare the following materials:
1, identification of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, court judgment, ruling, unmarried or divorce certificate issued by the unit, etc.). );
2. Proof of stable economic income (proof of unit wage income, etc.). );
3, housing provident fund deposit certificate;
4. The purchase contract and agreement signed with the selling unit (approved by the land planning department of self-built housing);
5. I and my spouse * * * fill in the loan application approval form;
6. Receipt of house payment (down payment) of not less than 20% of the total house payment (proof of self-financing of not less than 30% of the total house payment is required for purchasing private houses, building and overhauling self-occupied houses);
7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee).
2. What are the terms of the loan?
The loan amount can be estimated according to the contract price × 85%, and the approximate evaluation price can be estimated. Buying a house with a loan requires the following conditions:
(1) A natural person with civil capacity;
(2) A developer with permanent residence or valid residence status in a town;
(3) Having a stable occupation and income and good credit service ability;
(four) to conclude a contract or agreement for the purchase of houses;
(5) If there is no housing subsidy, it shall be the down payment of not less than 30% of the housing purchase price; 30% of the individual housing subsidy is used as the down payment for house purchase;
(6) Assets recognized by the lender as mortgage or pledge, or units or individuals with sufficient compensation capacity;
(7) Other conditions stipulated by the lender.