What are the conditions for a single housing loan?

Requirements for handling single white-collar loans, including my valid ID card; Single certificate; Personal income certificate; Personal tax payment certificate or bank statement or bank transaction flow or bank passbook in the last three months.

1. Loan target:

1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland;

2. Pay the down payment (not less than 30% of the total purchase price);

3. Have a stable economic income and the ability to repay the loan principal and interest;

4. Agree to use the purchased property as loan collateral.

2. Meet the following conditions at the same time:

1. Purchase commercial housing designated by the bank in this city with legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport;

2. Open a deposit account in a bank with a deposit balance of not less than 30% of the house to be purchased;

3. Having valid purchase contracts, agreements and other supporting documents;

4. Agree to mortgage the property under the purchase contract;

5. Willing to perform all the terms of the loan contract;

6. Other conditions stipulated by the bank.

3. Information to be published and provided:

1. Original and photocopy of resident ID card;

2. The original and photocopy of the house subscription book;

3. The original and photocopy of the down payment;

4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.

(The above answers were published on 20 16-03-23. Please refer to the actual situation for the current purchase policy. )

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