1. Can I get a loan to buy a commercial house in Changping?
At present, the purchase of Changping commercial housing can be loaned, but the premise is to meet the following conditions.
1. Borrower's local household registration or valid residence certificate.
2. The borrower (and spouse) has a legal and stable income source and has the repayment ability.
3. The borrower has the ability to pay the down payment of not less than 30% of the total value of the house.
4, the monthly repayment amount is not higher than 50% of the monthly income in principle.
When applying for a mortgage from a bank, the bank will also check personal credit records. Those with bad personal credit records will face the risk of being refused loans by banks. Therefore, when applying for a mortgage, you should have not only financial guarantee, but also credit guarantee.
After meeting the above conditions and other conditions required by the lending bank, you can apply for a loan from the bank.
Second, how to borrow money to buy Changping commercial housing
The loan process for purchasing a commercial house in Changping is as follows:
1, application. The borrower and * * * together with the applicant apply for a loan with corresponding loan requirements to the management department where the housing provident fund is deposited, and the borrower fills in the Application Form for Provident Fund Loan.
2. First instance. According to the loan policy, the accepting personnel conduct the preliminary examination of the materials, enter the information into the form, and after the approval, the system outputs the contract text and the loan receipt.
3. signature. The loan applicant and * * * sign a withholding agreement with the applicant in the above loan text and the location designated by the bank.
4. Insurance. The loan applicant and the applicant go through the insurance and mortgage procedures at the insurance company window.
5. loans. After completing the mortgage formalities within the publicity period, the management department affiliated to the center rechecks the receipt and loan materials, and then entrusts the bank to transfer the loan to the bank card, and the borrower will collect it from the entrusted bank with the original ID card.
6. Repayment. The borrower shall deposit the principal and interest payable in the bank card or repay the loan at the bank window every month within the period agreed in the bank withholding agreement until the loan is fully paid off.