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1, housing mortgage loan application conditions
Having legal and valid identification (resident ID card, household register or other valid identification) and proof of marital status;
Have a good credit record and willingness to repay;
Have a stable source of income and the ability to repay the loan principal and interest in full and on time;
Commercial housing sales (pre-sale) contract or letter of intent for purchased housing;
Have the ability to pay the down payment of the purchased house;
Open a personal settlement account in a bank;
There is a valid guarantee recognized by the lender;
2, housing mortgage loan application materials
Identity documents;
Proof of marital status;
Proof of repayment ability and income;
Proof that the down payment for house purchase has been paid;
A legally binding commercial housing sales contract signed with a real estate developer;
If there is a * * * borrower or a * * owner, the * * * borrower or the * * owner shall provide relevant identity documents and a pledge to agree to mortgage, and if there is a * * * borrower, proof of repayment ability shall be provided;
Other information required by the bank.
On the amount of mortgage loan for first-hand houses
Generally, the maximum loan amount of a first-hand housing loan is 80% of the property value. Applicants are required to have a stable source of income and a good job to ensure the timely repayment of principal and interest.
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Reference and application materials: /share/detail/40755854
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