What are the loan terms for Dongguan Villa?
1, a natural person who has reached the age of 18 and has full capacity for civil conduct and full capacity for civil liability, and has a permanent residence for urban residents or a legal and valid residence certificate.
2, a stable economic income, good credit, the ability to repay the loan principal and interest.
3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.
4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.
5. There are assets recognized by Dongguan Loan Bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.
6. Other conditions stipulated by Dongguan Loan Bank.
How to get a mortgage loan when buying a villa in Dongguan?
1. Application: Dongguan borrowers fill in the application form at the loan processing outlets with the following supporting documents: valid identity documents; Proof of marital status; Pledge and mortgage documents, if the guarantor provides guarantee, there must be guarantee documents.
2. Bank loan audit: Dongguan Bank investigates the borrower's guarantee, credit and other conditions, conducts examination and approval according to procedures, and informs the borrower of the examination and approval results.
3. Signing: After the Dongguan borrower's application is approved, it shall go through the following procedures: signing a loan contract and corresponding guarantee contract with the bank; Go through notarization, insurance, mortgage (pledge) registration and other procedures.
4. Lending: After the borrower completes the relevant procedures, Dongguan Bank will pay the loan to the borrower's personal account and transfer the loan to the relevant payee's account according to the borrower's entrustment. Since the developer will designate a bank to handle the mortgage, the actual loan will not take long, usually half a day is enough.
What are the loan terms for Dongguan Villa? How to apply for a mortgage loan? I hope I can help you. Most people who buy a house are realized by handling mortgage loans. In fact, not only ordinary commercial houses in the market, but also borrowers should make relevant preparations and complete loan materials before applying for villa mortgage loans, so that they will not be in a hurry in the process of handling mortgage loans and will greatly improve the success rate of loans.