Borrower's requirements
1.1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.
5. Self-raised funds of more than 30% of the total price of the purchased house (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee to be used to pay the down payment of the purchased house.
6. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.
Information to be provided by the borrower
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
As you said, it is impossible to build your own house and apply for a loan, and then repay it monthly. Loans must have collateral.
Second, the process of housing loan consultation! ! ! ! ! ! ! ! ! ! ! !
The bank loan agreement letter and the housing provident fund office have been approved, but the bank loan contract usually takes about one month to complete. .
Third, how to check the mortgage?
1. Telephone inquiry: No matter banks or other lending institutions, they can call their customer service number, and the institutions will have specialized personnel to provide consulting services. They only need to provide their own identity and loan information, and they will help to inquire and inform the loan approval or mortgage repayment progress.
2. official website Inquiry: Generally, banks or other lending institutions have their own official website. You can check the mortgage in official website. You can enter your own account, find the loan progress query in the function bar, and then click Query to know your mortgage situation.
3. Counter inquiry: Small partners who have enough time can also bring their ID cards and loan bank cards and go to the bank counter or the lobby of other lending institutions for help, which is also a very convenient method.
4. Contact the account manager: When applying for a loan, it is usually negotiated by the account manager, and the applicant can directly consult the account manager if he has any questions. So you can directly find the account manager who helped you with the loan and ask him to check it for you, so that you can know your loan and mortgage situation quickly, which is simpler and easier.
Fourth, how to contact the bank for mortgage?
Of course, we can find our own bank to handle housing loans. If the developer does not specify which bank to apply for a loan from, we can also specify which bank to apply for a loan from. But some developers cooperate with fixed banks, so we can't apply for loans ourselves. We can only apply for loans according to the banks that the developers cooperate with.
2. It is suggested that if the owner does not designate the relevant bank to handle the loan, we need to apply to the bank ourselves, and more banks can be consulted during the application process. The interest rates between banks are different, and the loan requirements are different. At the same time, the amount of loans applied for is also different. You can consult your local bank according to relevant information.