2. A natural person who has reached the age of 18 and has full capacity for civil conduct; When the loan is due, it shall not exceed 60 for men and 55 for women; Have a stable and legal occupation and income source, and have the ability to repay the principal and interest.
3. Information required for individuals to buy a house: the household registration book, ID card and copy of the borrower's husband and wife. The purchase contract or agreement signed with the sales unit. Proof and copy of the borrower's down payment deposit. Personal housing loan application form (format provided by the bank).
Extended data:
20 18 Huizhou house purchase regulations
1. Before obtaining the pre-sale certificate, the enterprise shall not sell and sign the subscription book or collect the intention money (deposit) or deposit in any form.
2. In view of the widespread phenomenon of second-and third-level linkage sales in the current market, it is required that houses that have not obtained pre-sale certificates shall not entrust agencies (including e-commerce) to pay group purchase fees.
3. When the developer sells the house, he should ask the buyer to pay the house price into the special account for pre-sale.
4. When the developer entrusts the intermediary to sell the house, if there is any damage to the rights and interests of the buyers, the developer shall bear the responsibility.
5. When selling the mortgaged house, the buyer should be informed that the developer's breach of good faith will be publicized.
6. Within 10 days after obtaining the pre-sale certificate, the developer must disclose all the houses at one time, publicize the "one room, one price table" according to the requirements of the price department, and publicly sell it to the society. It is not allowed to hoard or sell in units in real estate.
7. Huizhou Housing Authority will further strengthen the inspection of the commercial housing sales market and conduct spot checks from time to time. If it is found that the development enterprise fails to carry out sales and handle related business according to the regulations, the enterprise will be ordered to make corrections within a time limit and be punished in strict accordance with the relevant regulations. During the rectification period, lock its sales system, suspend its related business, and expose its violations through the media as appropriate.
Huizhou government network-Huizhou residential development planning