housing conditions

1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. When the loan expires, the man is not over 60 years old and the woman is not over 55 years old;

3. Have a stable and legal occupation and income source, and be able to repay the principal and interest.

The process of buying a house:

1, signed a house purchase agreement with the development company.

2. Fill in the personal housing loan application form and provide the information required by the bank.

3. After the bank has passed the examination, deposit the down payment into the bank or issue a down payment certificate.

4. After approval, sign loan contract, mortgage contract and guarantee contract.

5. Handle mortgage registration, home insurance and notarization procedures.

6. Go through the loan entry and transfer procedures.

7. Go to the development company to handle the relevant household procedures.