Personal housing mortgage loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied new housing, commonly known as "personal housing mortgage loan". The amount of personal housing mortgage loan issued by the bank shall not be higher than 80% of the value of the house to be purchased or the actual total cost of house purchase assessed by the real estate appraisal agency (whichever is lower).
Application conditions:
1, with urban permanent residence or valid residence status;
2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
6. Other conditions stipulated by the bank.