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Apply for personal housing loan conditions

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

I. Personal housing mortgage loan conditions 1. The loan applicant has a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; 2. The purchased house is located in the town (including urban, county, and large market towns). In principle, the loan applicant is currently living or working, and doing business; 3. The “Commodity House Sale Contract” has been signed with the developer. According to the personal credit situation, the bank’s down payment ratio has been paid, and the minimum is 30% or more. 4. The loan amount is determined according to the credit status of the loan applicant, occupation, education level, repayment ability, and the ability of the purchased house to be realized; 5, agree to apply for the mortgage registration of the pre-purchased commodity house, and promise to complete the purchase of the purchased house. After obtaining the real estate right certificate, the purchased house will be mortgaged and the mortgage registration procedure will be re-applied.

Second, personal housingMortgageCondition 1. Natural persons with full civil capacity, aged between 18 (inclusive) and 65 (excluding); foreigners and Hong Kong, Macao and Taiwan residents who are loan applicants shall be fully occupied within the territory of the People's Republic of China. There is a fixed residence and occupation in one year. If the loan is used to purchase a house, it must also meet the relevant policies for the purchase of houses by foreigners in China. 2. Have a valid and valid identity certificate, proof of residence registration (or proof of valid residence) and proof of marital status (or unmarried statement). 3. Have a good credit record and willingness to repay. 4. Have a stable source of income and the ability to repay the principal and interest of the loan on time and in full. 5. There is a clear use of the loan; the use of the loan is in compliance with national laws, regulations and relevant regulations, and the promised loan does not flow into the securities market, the futures market and the equity investment, real estate project development in any form, and is not used for borrowing to obtain illegal income. And projects that are not allowed to operate under the laws and regulations of other countries. 6, can provide bank-approved legal, effective and reliable housing mortgage. 7. Open a personal settlement account at the bank. 8. Other conditions stipulated by the bank.

three peopleHousing provident fund loanCondition 1, with permanent resident residence or valid residence status; 2. Ability to have a stable occupation and income to repay the principal and interest of the loan; 3. Purchase self-occupied housing in the city or district/county; 4. Have a contract to purchase the house or Relevant supporting documents 5. Borrowing applicants must establishhousing fund6 months (inclusive) or more, at the same time, the full amount of housing funds will be paid in full for more than 6 months (inclusive) (normal applications include monthly deposit, prepayment, and payment of housing provident fund), and when applying for loans In the state of deposit.

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