First, the housing mortgage loan application conditions:
1. The nature of the house; Houses, office buildings, villas, commercial houses, cost houses and affordable housing (strict requirements for affordable housing) have clear property rights within 20 years.
2. The mortgagor (normal age 18-65 years old) is in good health.
3. The Mortgagor has not participated in the credit investigation in recent 24 months.
4. The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). ).
The actual use of funds is clear.
Second,
Housing mortgage loan information:
1. Property Ownership Certificate
2. Identity cards of the obligee and his spouse
3. Household register of the obligee and spouse
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
5. Proof of income
6. If the property owner has minor children, please provide birth certificate.
7. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.
8. In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). )
Third, the housing mortgage loan process:
1. Submission
2. Sign bank documents
3. Housing assessment
4. The bank passed the audit
5. Bank loans
6. Mortgage registration
7. Repay the loan on a monthly basis