You need to provide your own ID card, household registration book, single certificate, and parents' marriage certificate, ID card, household registration book, income certificate, bank running water and other materials before you can apply for a loan at the bank. The property is in your name, but the monthly repayment can be paid by parents;
In the process of adding parents as co-payers, you and your parents need to arrive at the bank site at the same time, and the relevant formalities can only be handled after being confirmed by the staff.
Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
2. Can college students go to mortgage to buy a house? Do parents have any payment methods? ...
Even if it is 450,000 yuan, the down payment of 30% is13.5-140,000 yuan. You can apply for a personal housing loan of 3 1.5-3 10000, with a 30% discount on the loan interest rate and a monthly interest rate of 3.465. You can apply for 1-30 years!
3. Can college students get a mortgage? What should I pay attention to?
Ask the bank.
4. Can a foreigner apply for a mortgage in Hailar?
The first choice for mortgage is provident fund loan (30% down payment), followed by mortgage loan (20% down payment). The interest rate of provident fund 1-5 years is 3.33%, 5-30 years is 3.87%, 1-5 years is 4.03%, and 5-30 years is 4. 16%. ~ ~ ~ ~ ~ ~ ~ ~ ~ Housing provident fund loan is a special kind of housing consumption. Based on housing provident fund, it is distributed to employees who have paid housing provident fund for the purchase, construction, renovation and overhaul of their own housing, including commercial housing, affordable housing, private housing, fund-raising housing, reconstruction housing and public housing. Loan amount: The upper limit of the provident fund loan amount is calculated as follows: the monthly housing provident fund amount paid by the loan employees ÷ the housing provident fund amount paid by the loan employees 2× the actual loanable period. The amount of provident fund loans is generally required to be no more than 70% of the total housing price, and there is generally an upper limit. Loan term: up to 30 years. Loan interest rate: (1). From February 23, 2008, the individual housing loan to increase the housing accumulation fund was adjusted from the current annual interest rate of 3.5 1% to 3.33%; Loans with a term of more than five years are adjusted from the current annual interest rate of 4.05% to 3.87%. (2) Loans accepted and signed before 2008 12 shall be accepted and signed 22 days before adjustment, subject to the adjusted interest rate. The outstanding loans issued before June 23, 2008+February 23, 2009 shall be implemented according to the above notice from June 65, 438+October 65, 2009/kloc-0. ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ Applicable object: Property buyers who have paid part of the house price but lack the ability to continue to pay the remaining house price. Loan amount: 80% of the maximum housing loan amount. Loan Term: The sum of the term of second-hand housing mortgage loan and mortgage term shall not exceed 30 years. Loan interest rate: The loan interest rate, loans overdue interest rate and default interest rate shall be implemented in accordance with the relevant mortgage interest rate policies and management regulations of the People's Bank of China and the loan bank. ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ And friends who have failed to realize their dreams due to economic reasons, come and find out. These minutes are not just a little time to surf the Internet and play games. Please pay attention to your stingy friend: maybe wealth will pass you by! -If you want a loan, please apply online at Easy Loan China, which is convenient and quick! ! ! Easy Loan China (bank/microfinance institution) will save you lower costs! 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The loan information is on the left and the unified application form is on the right. In order to keep the applicant's personal information confidential, E-Loan China online application does not need to fill in personal information such as ID card. Please fill in truthfully according to your own situation. -My personal QQ number is 5630 120 10, and I am online from time to time. If I am not online, the landlord can apply online, and the financing consultant will call you on the same day (9: 00- 18: 00) to provide you with a suitable financing plan. You can consult in detail then. -Don't expect the landlord to choose the answer, but you have to understand! An application can be submitted to multiple banks, which saves the time for lenders to go to major banks and reduces the loan cost. 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