/kloc-people under the age of 0/8 or over the age of 60 cannot borrow money to buy a house. Generally/kloc-people between the ages of 0/8 and 60 can borrow money to buy a house. There is no difference between men and women.
The information required for mortgage loan is as follows:
1, three originals and photocopies of the ID card and household registration book of the applicant and his spouse.
2. The original purchase agreement.
3. Original and photocopy of advance payment receipt for 30% or more of the house price 1 copy.
4. Proof of the family income and related assets of the person applying for mortgage loan, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Extended data:
Conditions for purchasing a house with provident fund loan:
First, the conditions for applying for provident fund loans to buy a house
According to the Regulations on the Administration of Housing Provident Fund, the conditions for citizens to apply for provident fund loans are as follows:
First of all, the housing purchased by the applicant must be self-occupied, have a permanent residence in this city or a valid identity document, and pay the housing provident fund normally for six consecutive months before applying for a loan.
Secondly, the applicant has a stable economic income and no bad credit record. The first suite must pay a down payment of 30% of the house price, and the house below 90 square meters can pay a down payment of 20%, and he has the ability to repay the loan according to the regulations. He must also have proof of housing registration information issued by the housing security bureau of the place where the provident fund is paid and the place where the house is purchased.
Finally, the guarantor recognized by the customer provides phased guarantee before the house mortgage takes effect, and takes the purchased house as mortgage. Of course, the buyers of shared houses who apply for housing provident fund loans are temporarily limited to parents and adult immediate children.
Secondly, you need to pay off the first home loan before you can apply for a provident fund loan.
Unlike applying for a commercial loan to buy a second home loan, applying for a provident fund loan to buy a second home must meet certain conditions, otherwise it will not be accepted.
If citizens apply for provident fund loans to buy a house, if it is a second suite, they must pay off the provident fund loans for the first suite, and the down payment ratio for the loan to buy a second suite shall not be less than 60%. In addition, according to the regulatory policy, the loan interest rate will also rise by 10%.
Housing provident fund loan process
first step
Application: The lender shall provide the information required for the loan to the provincial provident fund management center as required.
Second step
Banks conduct credit investigation and loan approval. No matter how you choose to buy a house with a loan, this step is inevitable, and it will take some time.
Third step
Signing a loan contract: the lender goes to the bank to go through the formalities of signing a loan contract with relevant information.
Fourth step
Go through the formalities of housing property insurance and mortgage registration: loans must go through the formalities of insurance and mortgage registration.
Step five
Loan transfer: After confirming that the mortgage registration has been completed and the loan contract has come into effect, the loan undertaking bank will transfer the loan to the account jointly designated by the borrower and the borrower on the date agreed in the contract, and send the loan receipt to the borrower.
Step 6
Loan recovery: the lender will repay the loan according to the loan contract from the next month.
Step 7
Loan settlement and cancellation: after the lender pays off the loan principal and interest, the bank will issue a loan settlement certificate and go through the mortgage registration and cancellation procedures.