What materials do you need to borrow from the bank to buy a house? What are the conditions for buying a house with a loan? What is the down payment?

In this era, buying a house basically requires loans, but the process of buying a house loan is very complicated, especially for people who buy a house for the second time, they must understand the process of buying a house with loans in advance to avoid unnecessary things. So what materials do you need to buy a house with a bank loan? What conditions do you need to buy a house with a loan? How much is the down payment for the loan to buy a house? Let's have a look.

1. What materials do I need to get a bank loan to buy a house?

1. Three copies of the applicant's and spouse's ID card and household registration book are required. If the applicant and spouse do not belong to the same household registration, proof of marriage relationship is required.

2. It is necessary to provide the commercial housing sales contract signed by the purchaser and the company.

3.65,438+0 requires the original and photocopy of the advance payment receipt for 30% or more of the house price.

4. Need proof of the buyer's income.

5. If the borrower needs to be a legal person, he shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate of consent of the board of directors.

6. 1 developer account is required.

Second, what are the conditions for buying a house with a loan?

What conditions do you need to buy a house with a loan? To apply for a bank personal housing loan, the following conditions must be met:

1. Legal residence status is required. To apply for a policy-based personal housing loan, you should have a local permanent residence.

2, need to have a stable career and income.

3, need to have the ability to repay the loan principal and interest on schedule.

4. Assets recognized by the lending bank need to be mortgaged or pledged, or guarantors who meet the prescribed conditions need to provide guarantees for them.

5. You need a contract or agreement to buy a house.

6. When applying for a loan, if there is no less than 30% of the deposit required for the purchase of housing in the Construction Bank, if the applicant applies for a policy-based personal housing loan, he shall deposit the housing provident fund in the Construction Bank according to the regulations.

7. Other conditions stipulated by the lending bank.

Third, how much is the down payment for the loan to buy a house?

1. How much is the down payment for the loan to buy a house? The down payment in different cities is also different. Under normal circumstances, the loan to buy a house is 30% down payment.

Pay more down payment. The reason for this is to reduce the amount of your loan, because the loan needs interest, so in terms of the total amount, the more cash you give, the less you borrow. Of course, it depends on your own situation.

3. When buying an apartment, the down payment is generally above 30%, and when buying a second suite, the down payment is generally between 40% and 60%. The monthly payment depends on how much money you borrow for how many years.

The above is about what materials are needed for bank loans to buy a house, what conditions are needed for loans to buy a house, and how much is the down payment for loans to buy a house. I hope I can help you!