What are the requirements for a safe house mortgage loan?

1. What are the conditions for a safe house mortgage loan?

To apply for a safe housing loan, the following requirements shall be met:

1. The age is between 18 and 65, 70 (for business people, the age should be between 25 and 65).

Have a fixed residence.

3. The mortgaged property must be a house (including a single-family villa), and the location of the property is consistent with the permanent residence.

4. The age of the house can't exceed the real estate under the name of myself or others (some properties are not supported).

5 have a stable source of work and income, and have the ability to repay the loan principal and interest on schedule.

6. Personal credit is good, and there is no bad credit record in the credit report.

Customers remember to bring personal ID card, proof of marital status (such as marriage certificate), real estate license, proof of economic income (such as payroll, bank running water, etc.). ) when applying. If you are a business person, you also need to provide a business license, and any bank flow of 1 month in the past 3 months, enterprise guarantee.

Extended data:

Loans, meaning banks, banks or individuals, generally stipulate

Loans in a broad sense refer to loans, discounts,

Banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction, and at the same time banks can also obtain the accumulation of loans.

Loan channel

1. Traditional loans (also called offline loans) refer to loan applications submitted through banks in real life. )

Refers to the online loan submission application), that is, P2P.

The establishment of P2P is to provide funds for fund raisers. Compared with internet finance, it can avoid risks such as illegal fund-raising, bad debts and running away, and interconnected groups can effectively solve the interests of investors.

3. Mobile loan (refers to submitting a loan application through the mobile loan app, which is flexible and convenient anytime and anywhere)

Basic loan terms

China citizens aged one to sixty with full capacity for civil conduct.

Loan amount: the pledge, mortgage, third-party guarantee provided by the borrower recognized by CCB or the corresponding pledge, mortgage and guarantee amount recognized by the bank shall not exceed the pledge right provided by the borrower, and the mortgage rating and guarantee amount shall not exceed the borrower's credit.

Guarantee method: mortgage, pledge, third-party guarantee or

Application materials to be provided:

Guarantee documents required for the amount of guarantee.

(2) the guarantor's credit certification materials.

(3) Collateral appraisal report issued by the socially recognized appraisal department.

(4) Other documents and materials as stipulated by the Construction Bank.

(5) The original and photocopy of the borrower's valid identity certificate.

(6) local permanent residence or valid residence identity certificate.

(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) The borrower obtains the list of the amount of pledge and mortgage, and the written document of someone agreeing to pledge and mortgage.

(9) The borrower also needs to provide the payment receipt of the company's on-site hydropower property and the payment receipt of the personal address hydropower property.

2. What are the housing loan conditions of Ping An Bank?

The conditions that Ping An Bank needs to meet when applying for a house loan are as follows: 1, and it owns 30% of its own funds for the down payment of the house; 2. Can provide a legal and effective purchase contract or agreement; 3. The age should be above 18 years old; 4. Have full capacity for civil conduct and be able to bear legal responsibilities; 5. Have legal identification; 6. Have a stable occupation and high economic income, and be able to repay the loan principal and interest on schedule; 7. Good credit record and no credit stain; 8. Being able to provide effective collateral or third-party guarantee recognized by Ping An Bank; 9. Other loan conditions stipulated by local Ping An Bank. For more information on housing loan conditions of Ping An Bank, please visit:/ask/f54d501615822348.html? Zd view more content

3. Does China Ping An have any requirements for customers who apply for housing mortgage loans?

Have China nationality (excluding Hong Kong, Macao and Taiwan residents) 2 1-55 years old, have lived in their current place of residence for 6 months, and have worked in their current unit for 6 months. Private owner: business license 1 year.