20 13 wants to buy a house in Xuchang or Xiangxian. At present, I don't have much money at hand, only more than 200 thousand. It is ok to pay a down payment. Please give me a hint. ...

At present, there are many new buildings in Xuchang. There are Lanfei Xi 'an, Longhu Hua Ting, Seattle, Ideal City, Waterfront Jincheng, Huirun Impression and Canal Bay in the west, Jinyu Bay, Happiness Flower City, Dongyuan Jinxiu and Emerald Garden in the south, and Evergrande Oasis, Mingmen Shangju, Forest Peninsula, East Lake Emerald, Tianming City, Xintiandi, Future East Coast Flower City and Yongfeng International in the east, all of which are very good. There are not many north areas, just Jinghu Garden and Feishui Manor.

In terms of housing prices, the western and southern districts are basically around 4,300, the ideal city is more than 3,000, the eastern district is more than 5,000, and the northern district is relatively cheap.

Now there are hard and fast rules for lending to developers, and banks can only lend money after the building is capped;

But there are a series of jobs that need to be submitted to the bank, that is, the information of mortgage customers. After providing the information, there is no question to ask the customer for an interview. After all passed, the bank decided to lend money, and after the customer paid the insurance premium and fair fee, the bank lent money to the developer. At the same time, the customer began to repay the loan!

Information that general customers need to prepare: (There are differences between married and unmarried, but they are basically the same)

1. Identity cards of the borrower and its spouse (3 xeroxes)

2. Household registration book of the borrower and spouse (home page and personal page) (in triplicate)

3. Household registration certificate of the borrower and spouse (original 65438+ 0 copies, 2 copies)

4. Marriage certificate of the borrower (3 copies)

5. Proof of the borrower's economic income (signature and official seal of the person in charge) (1 original and 2 copies)

6. Copy of the borrower's salary slip or passbook for three consecutive months (affixed with the financial seal of the unit); Individual industrial and commercial households or private owners are required to provide business licenses, tax registration certificates and tax payment vouchers for the last three consecutive months. (1 original and 2 copies)

7. Proof of the economic income of the borrower's spouse (signed and stamped by the person in charge) (1 original, 2 copies)

8. Copy of the salary slip or passbook of the borrower's spouse for three consecutive months (affixed with the financial seal of the unit); Individual industrial and commercial households or private owners are required to provide business licenses, tax registration certificates and tax payment vouchers for the last three consecutive months. (1 original and 2 copies)

9. Proof of house payment (3 copies)

10, house purchase contract (2 copies)

1 1. Two recent photos of the borrower and spouse.

The borrower will provide all the original materials when interviewed by the bank loan investigator!