1. The loan targets are China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with the right of abode in Chinese mainland and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.
2. The maximum loan amount is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower).
Three. The loan period is generally not more than 30 years. The loan interest rate is subject to the commercial loan interest rate, and the upper limit is liberalized and the lower limit management is implemented. The lower interest rate level is 0.9 times of the benchmark interest rate of the corresponding term grade loan.
4. A copy of the materials (1) that should be submitted to apply for a loan (resident, household registration book, resident with the right of abode in Chinese mainland, foreign natural person, family visit card, home visit card and other residence or other documents); (2) Proof of the borrower's repayment ability recognized by the loan bank, such as proof of income and proof of assets; (3) legal and effective (overhaul) housing contracts, agreements and related approval documents; (four) involving mortgage or pledge guarantee, it is necessary to provide proof of ownership of the mortgage or pledge right and written proof that the person who has the right to dispose of it agrees to mortgage or pledge; (5) Where the guarantee is involved, the guarantor agrees to the written commitment of the guarantee and the guarantor's credit certificate; (6) Relevant certificates of the borrower's self-raised (overhaul) housing funds; (7) House sales (pre-sale) license or the property certificate of the building (existing house) (copy); (8) Other documents and materials required by the lending bank.