What are the lending conditions of the first mortgage bank in Shijiazhuang?

1. What are the lending conditions of the first mortgage bank in Shijiazhuang?

1 The bank has certain loan conditions for the first home loan.

First of all, the applicant must be a citizen of China who is at least 18 years old, has a stable occupation and income source, has a good credit record and has the ability to repay the loan.

Secondly, buyers need to provide proof of funds that can cover down payment and mortgage loans, such as bank deposit certificate, stock fund and other securities investment certificate, real estate rental certificate, etc.

In addition, banks generally require property buyers to provide real estate assessment report, real estate license and other related materials.

If the buyer meets the bank's lending conditions, the bank will evaluate the credit rating and loan amount according to the personal situation and real estate situation of the buyer.

Property buyers can choose their own loan scheme according to their own situation, such as interest rate, repayment period and repayment method.

2. What is the interest rate of the first home loan in Shijiazhuang 202 1?

The interest rate of the first home loan in Shijiazhuang this year is around 5.6%, with slight differences among banks.

Third, the first home loan conditions

With the spring in the property market, more and more people buy houses. Many buyers ask about the mortgage of the first suite, and there are also loans to buy a house. So how to apply for the first home loan, what conditions do you need for the first home mortgage, and what matters should you pay attention to? I compiled an article about the first suite. Please consult the developer and related banks for the latest information. What's the percentage of the mortgage for housing loans? (1) For the first suite, the best commercial loan interest rate can be up to 10%. Individual branches of rural commercial banks can handle it. It is required that the property area be over 60 square meters and the house age be under 20 years. Portfolio loan. (2) For the first suite, the commercial loan interest rate is 15%, which is one of the four major banks. When signing a contract, you need to deposit 200,000 yuan first, and you can only take it out after it is approved. The first suite can be loaned up to 70%. Require a commercial loan of more than 400,000 yuan, with a room age of less than 20 years and an area of more than 50 square meters. Portfolio loan. (3) There are multiple mortgage records (such as more than two sets) in the main lender's family credit report. As long as the outstanding loan does not exceed 1 and the real estate in this city does not exceed 1, the next loan to buy a house can still be operated as a second suite. The four major banks signed the contract without providing any false materials. (4) If there is a house in the name, and the minor has a real estate license, and there is no housing loan record, the next loan to buy a house can be considered as the first set. Consumer loan: 1 suite can also be handled, with a maximum loan of 70%, and people with property rights can also handle it without other spare rooms. Loans can be paid directly to the account designated by the borrower. In addition, the current "mortgage" can also be operated. Loan amount: no more than 20% of the market price of collateral. If the age of the mortgaged property is less than 10 year, the sum of the original loan balance plus the mortgage amount shall not exceed 70% of the mortgage real estate assessment price; If the age of the mortgaged property is 10-20 years, the sum of the original loan balance plus the mortgage amount shall not exceed 60% of the real estate assessment value of the mortgage. In fact, mortgage loans still depend on the operation of banks.

4. What are the conditions for a house loan in Shijiazhuang?

F: First of all, let's be clear. Do you want a commercial loan or a provident fund loan? Generally speaking, as long as it is a house developed by a developer, there are agents responsible for sales and loans. You just need to ask the sales girl, and they will help you figure it out. If the housing loan is handled by the developer, the consumer only needs to provide relevant documents and go through various formalities in the bank after receiving the notice. If consumers do it themselves, it is particularly troublesome not to understand the process. The procedures and processes for banks to handle housing loans are basically the same, and individual aspects depend on different banks. Taking China Merchants Bank as an example, this paper briefly introduces the handling process of individual housing loans for the reference of consumers with this demand. Basic conditions of the borrower 1, age of the borrower 18, and full capacity for civil conduct; 2. Have a stable occupation and income; 3. Has signed a commercial housing sales (pre-sale) contract with the developer; 4. The down payment of more than 20% of the total purchase price has been paid; 5. Borrower and property * * * Some people are willing to mortgage the house they bought, and handle mortgage registration and property insurance. The borrower shall provide materials 1, valid identification certificates of himself and his spouse (ID card, household registration book or other valid proof of residence), and individual operators shall provide business licenses (check the original and keep a copy); 2. Proof of the borrower's marital status (marriage certificate or single certificate); 3, foreign, foreign or single, must be guaranteed by a person with a local account; 4. Proof of income and property of the borrower and spouse; 5. Purchase contract and down payment receipt; 6. Commitment letter of real estate mortgage; 7, bank housing mortgage loan application approval form. Loan amount and term 1, with the maximum loan amount not exceeding 80% of the total price of the purchased property and 60% for commercial outlets; 2. The loan term plus the borrower's age shall not exceed the statutory retirement age, and the longest shall not exceed 30 years. Loan 1. The borrower signs a house purchase contract with the developer and pays the down payment; 2. The borrower applies for a loan and submits loan information; 3. Bank acceptance, investigation and approval; 4. The bank signs a loan contract with the borrower; 5. Go through notarization and insurance procedures; 6. Banks issue loans