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Apply for Personal Housing Loan Conditions

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

I. Conditions for Personal Housing Mortgage Loans 1. The loan applicant has stable employment and income, good credit, and the ability to repay principal and interest of the loan; 2. The purchased housing is located in the towns (including the urban areas, county seats, and Daji Town). In principle, the Loan Applicant is currently residing or working, and is in business; 3. A “Commercial Housing Sales Contract” has been signed with the developer. According to the personal credit situation, the Bank has paid the down payment ratio as stipulated by the Bank, and the minimum is 30% or more. 4. The loan amount shall be determined according to the loan applicant’s credit status, occupation, education level, ability to repay, and the ability to purchase the acquired housing. 5. It is agreed that the pre-purchased commodity house mortgage registration shall be completed first, and the completion of the purchase of the housing shall be undertaken. After acquiring the real estate warrant, the purchased house is used as a mortgage and the mortgage registration process is resumed.

Second, individual housingMortgageCondition 1, natural persons with full capacity for civil conduct, aged between 18 (inclusive) - 65 (excluding) years of age; foreigners and residents of Hong Kong, Macao and Taiwan who are loan applicants should be residing in the territory of the People's Republic of China If a person has fixed residences and occupations for one year, and the loans are used for house purchases, they must also meet the relevant policies for home purchase by foreigners in China. 2. Have valid legal identification, family registration certificate (or valid residence certificate) and proof of marital status (or unmarried statement). 3, has a good credit record and the willingness to repay. 4. Has a stable income source and the ability to repay loan principal and interest on time and in full. 5. There is a clear loan use; the loan is used in accordance with national laws, regulations and relevant regulations, and it is committed that the loan will not flow into the securities market, futures market, equity investment, real estate project development in any form, and is not used for borrowing to borrow illegal income. As well as other projects that are clearly prohibited by laws and regulations of the country. 6. It can provide legal, effective and reliable home mortgage approved by the bank. 7. Open a personal settlement account at the bank. 8. Other conditions stipulated by the bank.

three peopleHousing provident fund loansCondition 1, with urban permanent residence or effective residence status; 2, with a stable occupation and income have the ability to repay the loan principal and interest; 3, in their own cities, suburbs and counties to purchase self-occupied housing; 4, have a contract to buy housing or Relevant documents 5. The loan applicant must be establishedhousing fund6 months (inclusive) or more, at the same time, the normal amount of the housing deposits is 6 months (inclusive) or more (normal applications include monthly deposits, prepayments, and supplementary housing accumulation funds), and when applying for loans In deposit status.

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