Housing mortgage loan requirements

What conditions do you need to meet to buy a house mortgage loan?

First, the basic conditions of commercial housing mortgage loans

The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan; The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

Has signed the Commercial Housing Sales Contract with the developer, and has paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability, liquidity of the purchased house and other factors;

We agree to register the pre-purchased commercial housing as mortgage first, and promise to use the purchased house as loan mortgage, and re-register the mortgage after the purchased house is completed and the real estate license is obtained.

Secondly, information must be provided.

3. The original and photocopy of the ID card and residence booklet of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate shall be attached);

Commercial housing sales contract signed by the purchaser and the company;

1 Original and photocopy of advance payment receipt for 30% or more of the house price;

Proof of income of the purchaser (provided by the bank and placed in the sales office);

If the borrower is a legal person, it must 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 that the board of directors agrees to mortgage;

The developer's collection account number is 1.

Three. General commercial terms

The loan term is generally less than 30 years, and the maturity date of the loan cannot exceed the borrower's age (male) 65 years old and (female) 55 years old in principle;

The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;

The main repayment methods of mortgage are divided into average capital and equal principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).

What conditions do you need to buy a house mortgage?

First, what are the conditions for buying a house mortgage?

1. Mortgage purchase requires the following conditions:

(1) Ensure that you are qualified to buy a house in your city;

(2) Ensure that your personal credit is good;

(3) Having sufficient repayment ability;

(4) There are authentic and credible proof of stable income.

2. Legal basis: Article 7 of the Measures for the Administration of Individual Housing Loans.

The borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.

Article 20

The mortgage contract shall take effect from the date of registration of the collateral and shall be terminated when the borrower pays off all the loan principal and interest. After the termination of the mortgage contract, the parties shall terminate the mortgage right according to the contract. Where real estate is mortgaged, when the mortgage right is lifted, the mortgage cancellation registration formalities shall be handled at the original registration department.

Second, what is the procedure of mortgage purchase?

1, go to your favorite real estate to see the actual situation;

2. After determining the house to be purchased, you can sign a subscription contract;

3. Sign the house purchase contract and pay the down payment according to the agreed time limit;

4. Sign a mortgage loan contract with the bank;

5. Apply for mortgage registration.

What are the conditions for mortgage loan?

Mortgage loans need to meet the following conditions:

1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;

2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

3. Have good information records and willingness to repay;

4. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

5. The property right of the mortgaged house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgages. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

6. Have the ability to pay the down payment of the purchased house;

7. The borrower has a legal and effective purchase contract or agreement; .

8. There is an effective guarantee recognized by the lender.

legal ground

Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

What conditions do you need to buy a house mortgage?

Buying a house by loan refers to a loan transaction in which the purchaser applies for a loan from the bank to pay the purchase price, and then the purchaser pays the principal and interest to the bank in installments. Also called house loan to buy a house. Today's China Tour. Bian Xiao will tell us the conditions and procedures for buying a house with a loan.

What are the conditions and procedures for buying a house with a loan?

1.3 Original and photocopy of the ID card and household registration book of the applicant and his/her lover (if the applicant and his/her lover do not belong to the same household registration, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related property certificates, including the salary table, my income tax return, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

Proof of demand for housing loan

1. Loan documents for local buyers: household registration book, ID card, income confirmation of fixed unit, business license of unit (copy stamped with official seal), monthly bank remittance confirmation, corresponding education certificate, marriage certificate for married demand and single certificate for unmarried supply.

2. Loan documents for buyers from other provinces and cities: my temporary residence permit, income confirmation of the fixed unit in Beijing, business license of the unit (copy with official seal), confirmation of monthly bank remittance, confirmation of corresponding academic qualifications, marriage certificate of married demand supply, and confirmation of unmarried supply and celibacy.

3. Proof of loan for overseas buyers: Under the condition that they can only buy one house in Beijing, overseas buyers need to fill in the Approval Form for Foreigners to Purchase Houses in Beijing, and then provide proof of residence in Beijing, proof of household registration for more than one year, stable work income for more than one year, tax bill and bank account. In addition, foreigners also need notarization, and the name on the notarial certificate must be from China.

Housing mortgage loan conditions

Housing mortgage loan conditions: different banks have different standards. Generally speaking, the loan conditions are: a natural person with full capacity for civil conduct and full capacity for civil liability, aged over 1 and 18, with legal and valid identification. 2 have the ability to repay the loan, that is, have a stable legal income. 3. When applying for a loan, you must have your own funds less than 20% of the purchase price and use them as collateral for the loan. 4. The purchased house is not within the scope. Article 395 of the Civil Code The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

What are the conditions for housing mortgage loan?

1. First-hand housing is to buy a new house just developed by a real estate agent, and you need to mortgage the newly bought property in the bank and apply for a personal housing mortgage loan from the bank as a lender. The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate. Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages. 2. If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself. Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax, appraisal report, buyer's income certificate and no house certificate.

The introduction of housing mortgage loan requirements ends here.