1. The mortgagor is between 22 and 55 years old.
2. The mortgagor has a stable job and income in the local area.
3. The mortgagor can provide proof of repayment ability, such as proof of income, bank flow, etc. (China Construction Bank needs to provide bank flow for 6 consecutive months to apply for housing mortgage loan).
4. Mortgagor's liabilities should not be too high.
5. The mortgagor has a good credit record.
6. It is best for the mortgagor to be a customer of CCB?
Extended data:
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.
Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations, such as real estate speculation and stock speculation. It is required that mortgage housing loans should be earmarked for special purposes and be supervised by lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan.
Housing mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link.
Housing requirements
(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;
(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;
(three) the mortgaged house is not included in the local urban transformation and demolition planning, and there are real estate licenses and land certificates issued by the real estate department and the land management department;
References:
Housing mortgage _ Baidu Encyclopedia