Those who have loans in rural commercial banks can still borrow in rural credit cooperatives as long as they meet the conditions.
I. Mode of payment
Personal housing loan is a kind of secured loan, which can be mortgaged, pledged, guaranteed or a combination of the above three ways.
Second, the loan object and conditions
The object of individual housing loan should be a natural person with full capacity for civil conduct and meeting the following conditions:
1. Have permanent residence or valid residence status in cities and towns;
2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
3 do not enjoy the purchase subsidy, not less than 20% of the total price of the purchased house as the down payment; Enjoy the purchase subsidy, and the individual will bear 20% as the down payment;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the price of the purchased house basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
6. Other conditions stipulated by the bank.