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Apply for personal housing loan conditions

Time: 2017-01-19         Source: Rong 360 finishing         Author: 360 Financial consolidation

1, the individual housing mortgage loan conditions 1, the loan applicant has a stable occupation and income, good credit, there is the ability to repay the loan principal and interest; 2, the purchase of housing is located in the town (including urban, county, large town) and 3, has been signed with the developer of the "sale of commercial housing contract", according to personal credit, and has paid the bank down payment ratio, the minimum of more than 30% or more ; 4, the amount of loans based on the loan applicant's credit, occupation, education, repayment ability, the purchase of housing liquidity and other conditions to determine; 5, agreed to apply for pre-purchase real estate mortgage registration, and promised to purchase the housing completed After obtaining the real estate warrants, the purchase of housing loans for mortgage and re - apply for mortgage registration.

Second, individual housingMortgageCondition 1, natural person with full civil capacity, aged 18 (inclusive) -65 (excluding) years of age; foreigners and Hong Kong, Macao and Taiwan residents as loan applicants should live in the territory of the People's Republic of China A year and a fixed home and occupation, loans for the purchase, but also to meet the policy of foreign buyers purchase. 2, with a valid and valid proof of identity, proof of residence (or valid residence certificate) and proof of marital status (or unmarried statement). 3, with good credit records and repayment will. 4, with a stable source of income and timely repayment of principal and interest loans and the ability. 5, there are clear loan purposes; loan use in line with national laws, regulations and the relevant provisions of the commitment to the loan does not flow into the securities market, futures market and equity equity investment, real estate project development, not for borrowing for illegal income, As well as other national laws and regulations that clearly stipulate that the project should not be operated. 6, can provide bank recognition of the legitimate, effective and reliable housing mortgage. 7, in the bank to open a personal settlement account. 8, the bank provides other conditions.

three peopleHousing provident fund loansCondition 1, with urban permanent residence or effective residence status; 2, with a stable occupation and income of the ability to repay the principal and interest; 3, in the city, the district to buy their own housing; 4, with the purchase of housing contracts or Relevant supporting documents 5, the borrower should be establishedhousing fund6 months (inclusive) above, at the same time, the full amount of the normal payment of housing provident fund 6 months (inclusive) or more (normal applications include monthly deposit, prepaid, paid housing provident fund), and apply for a loan In the state of deposit.

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