The down payment ratio of personal housing mortgage loan shall not be less than 30%, and the down payment ratio is still 20% if the owner-occupied housing is purchased and the construction area of Xing Tao is less than 90 square meters.

I. Conditions for applying for mortgage loans

1, with legal status.

2, a stable income, good credit, the ability to repay the principal and interest of the loan.

3. There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank.

4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the down payment of purchased (overhaul) housing.

5. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.

Second, the mortgage loan application materials

1, individual housing loan application

2. Copy of identity documents (resident identity card, residence booklet, military officer's card, passports of overseas and foreign natural persons who have the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents).

3. The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank.

4, the legal purchase (overhaul) of housing contracts, agreements and related approval documents.

5. List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by an evaluation agency recognized by the loan bank.

6. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor.

7. The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank.

8. Relevant certificates of self-financing of the borrower's purchase (overhaul) of the house.

9. House sales (pre-sale) license or real estate license (existing house) (copy)

10. If the borrower's spouse and * * * apply for a loan, they should clearly fill in the relevant information of the spouse in the loan application form and show their marriage certificate and household registration book.

Extended data:

Mortgage loan process

1. Buyers who apply for mortgage loans should know the bank's regulations on mortgage loan support for buyers from the bank or the law firm designated by the bank, prepare relevant legal documents, and fill out the mortgage loan application form after confirming that the property they choose has the bank's mortgage support.

2. The bank that signed the house purchase contract received the relevant legal documents of the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it issued a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

3. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and defines the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

4, mortgage registration, insurance buyers, developers and banks with the "housing mortgage loan contract" and the purchase contract to the real estate management department for mortgage registration. If the house is delivered in advance, the mortgage registration shall be changed after completion.

5. After the signing of the mortgage loan contract, the buyer opens a special repayment account in a financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.

6. After the bank confirms that the buyers meet the mortgage loan conditions, fulfill the obligations stipulated in the Building Mortgage Loan Contract, and go through the relevant formalities, the bank will transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the buyers.

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