Application conditions:
1, nature of the house; Houses, office buildings, villas, commercial houses, cost houses, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years;
2. The mortgagor is in good health;
3. The Mortgagor has not participated in the credit investigation in recent 24 months.
4. The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). );
5, the actual use of funds is clear.
Preparation procedure:
1, original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required);
2. Proof and copy of the borrower's marital status;
3. Family property, car ownership certificate and its photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate);
4. Statement of personal main bank account in recent 6 to 12 months (with bank seal);
5, work unit income certificate;
6. Proof materials such as family private loans;
7. Evaluation report.