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Tips for personal housing mortgage loans
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Tips for personal housing mortgage loans
Source: Unknown author: admin Published :2009-10-01 Click 1
First, personal housing mortgage loan applicants should first meet the following conditions
(A) have full civil capacity;
(B) have permanent residence or valid residence city identity;
(C) a stable income and can repay the loan principal and interest on schedule, no bad credit behavior;
(D) a legal purchase contract;
(E) the purchased house is not set other rights;
(F) the first purchase payment has been paid in full;
(7) laws and regulations and other conditions.
Second, loan applicant to submit the required information (original or copy)
(A) the borrower and the spouse ID card (military officers to provide military officer, Hong Kong and Macao to provide legal residence identity card).
(B) of the loan account of the applicant and spouse.
(C) marriage certificate (to provide a spouse's marriage certificate, proof of single issue unmarried, divorced the divorce certificate to be submitted).
(D) of the loan applicant and spouse's work and proof of income (or the personnel, labor official seal affixed chapter).
(E) the first proof of payment and purchase of housing purchase contracts.
Third, other documents
(1) private (individual businesses) and business license, tax registration certificate (should reflect the most recent year examined the situation).
(B) private (individual businesses) tax registration certificate, tax receipts in recent months, while providing natural guarantor.
(C) of the guarantor should have stable job, good income, the best civil servants, administrative institution personnel, higher-income employees of large state-owned enterprises; suggested that the Education, transportation, electricity, finance, health and other departments.
(Iv) a guarantor to provide identity cards, residence booklet, proof of income.
(E) the borrower and the spouse and the Guarantor have no bad credit record.
4 Other Notes
(1) the borrower and the spouse had no record of housing loans, housing loans can enjoy the first set of prime rate, which listed current benchmark interest rate to float downward national 15%.
(B) if the borrower and the spouse had a home loan records, regardless of whether the settlement, we can not enjoy the first set of home loan lending rate, but not subject to this restriction apply for provident fund loans.
(C) Yi Shoufang loans of up to 30 years of age; the same time, apply for loans plus years of age, men and no more than 65 years of age and the woman over 60.
(D) number of years of second-hand housing loans plus loans Fangling period not exceeding 40 years; apply for a loan plus years of age, men and no more than 65 years of age and the woman over 60.
(E) the legal case of the loan interest rate adjustment, according to the People's Bank on January 1 next year since the implementation of the new rate standards.