What are the application conditions for housing mortgage loans?

Personal housing mortgage loan means that the borrower uses the real estate in his or her name as mortgage and applies to the lender for a RMB guaranteed loan for personal legal and compliant purposes, including personal house purchase, car purchase, consumption, business and Other compliance and legal purposes.

Details

1. The maximum loan period for new house loans shall not exceed 30 years, and the maximum loan period for second-hand houses shall not exceed 20 years; the loan amount is 70% of the appraised value of the house; the loan interest rate is as follows The interest rate for loans of the same period and grade stipulated by the People's Bank of China shall be implemented, and the base annual interest rate is 5.94%.

2. House mortgage loan conditions: The age of the house should be within 20 years; the area of ??the house requires different banks; the house must have strong liquidity; generally, commercial houses, apartments, shops, and office buildings are required . Real estate mortgage loans generally need to be handled through professional real estate guarantee companies. Real estate mortgage loans have become an important means of personal real estate financing for residents. Funds are loaned through mortgage loans to meet temporary consumer needs or even business operating needs in order to revitalize Real estate held by residents, and among various financing channels, real estate mortgage loans are still one of the lowest-cost methods. According to data provided by Anjia World Bank Guarantee Co., Ltd., the country's first wholly foreign-owned real estate guarantee company, nearly 30% of real estate mortgage loans are used for repurchasing a house, and other uses with a higher proportion are: business purposes, car purchases, studying abroad and Immigration, renovation and purchase of major consumer goods.

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3. Loan application requirements

4. Real estate certificate

5. Identity cards of the obligee and spouse

6 . Household register of the obligee and spouse

7. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

8. Proof of income

9. If the owner of the real estate certificate has underage children, please provide the birth certificate

10. If there is a bank loan in the property, please provide the original loan contract and the last bank statement

11. In order to improve the loan approval rate, please provide as many other proofs of family property as possible (such as other property certificates, stocks, funds, cash passbooks, vehicle driving licenses, etc.)