Housing mortgage loan conditions 1, 18 Urban permanent residents who are 60 years old and have full capacity for civil conduct, or legal and valid residence certificates.
2. Stable economic income and ability to repay loans. Having legal and effective contracts and agreements for house purchase, construction and overhaul, as well as the requirements of the loan bank.
3. Personal self-owned funds, accounting for 30% of the total purchase price (self-occupied house, and the house area does not exceed 90 square meters, and 20% is raised by itself), and promises to pay the down payment for the house purchase.
4. Property guaranteed by a loan bank or a legal person, other economic organization or natural person with guarantee ability.
5. Other conditions stipulated by other lending banks.
How to get a loan after buying a house in full 1? You can apply for a loan after you get the real estate license. Loans depend on the loan conditions, interest rates and quotas of major banks.
2. When applying for a loan, you need to submit your bank account, personal credit record, real estate license, ID card, etc. Nearly six months.
3. If your loan amount is sufficient, the bank will sign a formal agreement with you, which will specify the interest rate, repayment time and repayment method of the loan, and ensure that your income can pay your interest when you borrow.
4. The mortgage is generally about one month, so you can call for advice. But according to the bank's loan amount, different banks need different time, so we can wait at home.
The above is the answer to the question about how to get the house mortgage in full. I hope my answer will satisfy you and provide some ideas for your question.