What are the requirements for applying for a housing loan?

The situation of each institution is different, but it is generally a person who requires full capacity, the power to dispose of real estate and the ability to repay. In addition, personal credit is good, the area and nature of real estate and so on. Take the behavior of Micang Property as an example to require:

The mortgaged property is located in the urban area of Beijing, and the core mortgage rate does not exceed 70%;

China nationality 18-65 years old, over 60 years old, need to add a child protection;

The nature of the house is residential or villa; After April 2008 1 1, the central delivery room and affordable housing cannot be run;

Personal credit information is good, and the public opinion in the last 24 months is no more than 4 tired 8 (determined according to the specific situation).

It would be better if individuals owned a company. Because housing loan is a short-term large-scale capital turnover, everyone's requirements will be different.