Housing mortgage loan
Personal housing mortgage loan refers to the RMB secured loan that the borrower applies to the lender for personal legal and compliance purposes, including personal house purchase, car purchase, consumption, business and other legal and other purposes.
The longest loanable period of house mortgage loan is 1-30 years.
Application conditions: residence, commercial housing, etc. (The property right is clear, and the property has been in the customer's name for less than 3 years)
Mortgagor or borrower (aged 25-55, in good health)
Credit information cannot be overdue for three consecutive times or six times in 24 months.
Can prove the source of repayment and other assets.
Preparation materials: husband and wife's identity documents, household registration book and its copy, marriage certificate, work unit certificate, etc.
Application conditions:
Loan application (loan purpose/amount/year/repayment source)
Second, the house ownership certificate
Three. Proof of work and income (both husband and wife)
Four. Household registration book (both husband and wife)
Verb (abbreviation of verb) ID card (husband and wife)
Six, marriage certificate
Seven, personal assets or financial proof, such as bank passbook, car driving license and other copies.
Remarks: Divorced (including widowed) unmarried persons need the unmarried certificate issued by relevant departments, and the mortgage of shared houses needs the effective consent of the co-owners.