1, with legal status, must provide 18 years of age, with full capacity for civil conduct and legal and valid identification. ?
2, a stable economic income, good credit, the ability to repay the loan principal and interest;
3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;
4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the first payment of the purchased (overhaul) housing;
5. Mortgaging or pledging assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors;
6. Other conditions stipulated by the lending bank.
To apply for housing provident fund loans, the following conditions shall be met:
1, with permanent residence or valid residence certificate in this city; ?
2. The housing provident fund has been continuously paid for more than half a year before the application, and the accumulated time for paying the provident fund is not less than 2 years; ?
3, self-raised funds to reach more than 30% of the total price of the purchased housing (including 30%); ?
4. Have a stable occupation and a stable source of income, and have the ability to repay the loan principal and interest; ?
5, signed a contract or agreement to buy housing; ?
6. Meet other conditions stipulated by the trustor and the trustee.
Extended data
Materials needed for commercial loans to buy a house
The borrower shall fill in the Application Form for Individual Housing Loan in China Construction Bank or the agency of the developer who signed the Cooperation Agreement with China Construction Bank, and provide the following materials:
1, my household registration book, ID card or other valid proof of residence;
2. Proof of occupation and income;
3, purchase contract or letter of intent and other related documents;
4. Proof that the down payment accounts for 30% of the house price;
5. Other materials required by the agency of China Construction Bank.
perform formalities
1. The agency of China Construction Bank or the law firm (or notary office) entrusted by China Construction Bank investigates the information provided by the borrower.
2, CCB agencies to approve the borrower's application.
3. The borrower opens an account, obtains a savings card and signs a loan contract.
4. Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures.
5. The loan contract takes effect and the funds are transferred to the developer's account.
References:
Baidu encyclopedia-loan to buy a house