Can I apply for a real estate mortgage loan if my personal credit is not good?

Because real estate mortgage borrowers must meet the following conditions:

(1) has legal status;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There is a legal and effective purchase contract;

(4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

(5) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;

(6) Being able to provide effective guarantee recognized by the loan bank;

(7) Other conditions stipulated by the lending bank.

Extended data:

Loan information that the borrower needs to provide

(1) A valid identity certificate

1. Identity cards of both husband and wife of the borrower (original and two copies);

2. Household registration book (one copy of the original);

3. Marriage certificate (original and photocopy);

4. If you are unmarried, you need to fill in the unmarried statement, and our bank will keep the original;

5. Divorced or widowed persons are required to provide divorce certificates or agreements, judgments and spouse death certificates (original and photocopy);

6. A copy of the property right certificate of the complete set of houses actually owned by the family members (including the borrower, spouse and minor children) who intend to purchase the house.

(2) proof of income or relevant materials that can prove the borrower's income and repayment ability.

1. proof of salary and income: bank standard certificate or unit letter of introduction;

2. Company income certificates issued by general enterprises and limited companies other than administrative institutions, national civil servants and state-owned enterprises. The borrower also needs to pay a three-month bank statement (which needs to be confirmed by the bank seal);

3. Rental income (original and one copy of the lease contract);

4. Other documents of rights (such as certificates of deposit, government bonds, investment insurance policies, etc.). );

5. Private business owners and individual industrial and commercial households must provide business licenses, organization code certificates, tax registration certificates, tax payment certificates for the last three periods and three-month statements of corporate accounts.

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