What are the requirements for a single house?

The main conditions for a single housing loan are:

① Citizens who have a fixed residence or valid residence certificate at the place where the loan is located must also have full capacity for civil conduct and be 18 or above and 65 or below.

(2) Have the ability to repay the loan principal and interest on schedule.

③ Good credit record and repayment willingness, and no bad credit record.

(4) Do not leave bad records in the bank.

⑤ Unmarried loan buyers need to provide personal ID card, income certificate, first-time purchase certificate and bank card running list. These are basic information. If there are special circumstances, it should be supplemented according to the actual situation.

Single housing purchase procedure:

(1) Ask the bank for relevant information.

② Apply for individual housing loan with relevant materials.

(3) Accept the bank's review of the true information.

(4) It is also necessary to determine the loan amount and then handle the loan contract.

⑤ Apply for guarantee insurance.

⑥ Registration and notarization of property right mortgage.

⑦ Bank loan.

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