1, you must buy a house with a property right certificate on the state-owned land within the urban area of Changchun.

2. The room age shall not exceed 15 years.

3. The maturity date of the lender's loan shall not exceed the statutory retirement age (male 60, female 55).

4, have a stable job in this city, and can issue proof of income; Business people need industrial and commercial mortgage, tax registration and tax payment certificate for the past six months.

Second, the elements of second-hand housing loans

1, individual housing loan guarantee application approval form (in duplicate)

2. Identity cards, household registration books and marriage certificates of both spouses of the borrower.

(Unmarried mortgage, divorce certificate, divorce agreement, certificate of not remarried) (2 copies)

3. Two certificates of second-hand housing in Changchun.

4. Personal credit report (1 copy)

5. Copy of the original title certificate after renaming (2 copies) (3 copies)

7. Down payment, bill for renaming (2 copies) and transaction contract (2 copies)

Third, the cost of second-hand housing loans

1. Transaction cost: turnover × 2%. 2. Agency name change fee: 500 yuan. 3. Investigation service fee: 300 yuan.

4. Guarantee fee: loan amount × 1. 8% (1-4 years) loan amount × 2% (5- 10 years)

5. Notarization fee: loan amount ×2‰+ 100 Yuan 6. Mortgage fee: 500 yuan.

First, the provident fund loan conditions:

1, permanent residence in this city, units and individuals have continuously paid the provident fund in full 1 year or more. What can Tonggang five counties and Changchun do? 2. Second-hand houses must be purchased by loans on state-owned land within the urban area of Changchun City with property certificates. 3. The longest loan term is 10 year. 4. The mortgage of second-hand housing loans in Changchun shall not exceed 15 years. 5. The lender shall not exceed the legal retirement age (male 60, female 55) on the loan maturity date.

Second, the provident fund loan elements

1. ID card, household registration book and marriage certificate of both husband and wife of the borrower.

(Unmarried people should have unmarried certificates, and divorced people should have divorced unmarried certificates) (4 copies)

2, provident fund application form (35 sets)

3, the original Changchun second-hand housing loan mortgage title certificate (3 copies), renamed title certificate copy (4 copies)

4, individual housing provident fund (portfolio) loan guarantee application approval form (4 copies)

5, personal income and housing provident fund deposit certificate (2 copies have been filed)

6. Personal credit report

7.3 down payment, mortgage of second-hand housing loan in Changchun, and bill transaction contract (3 copies)

Third, the cost of provident fund loans

1. Transaction cost: house price × 2%. 2. Agency name change fee: 500 yuan. 3. Investigation service fee: 300 yuan.

4. Guarantee fee: loan amount × 1. 8% (1-4 years) loan amount × 2% (5- 10 years)

5. Notarization fee: loan amount ×2‰+ 100 Yuan 6. Mortgage fee: 500 yuan.