Qinhuangdao, as a small island city in the north, is a place where many home buyers rush to buy a house, so what are the conditions and processes to buy a house with a mortgage in Qinhuangdao?

A, the basic conditions

1, the borrower has a stable occupation and income, good credit, really have the ability to repay the loan principal and interest;

2, has signed a contract with the company to buy a house, according to personal credit, and has paid the bank's required percentage of the down payment, a minimum of 20% or more;

3, Qinhuangdao loan is the first time in the world to buy a house. p>3, Qinhuangdao loan amount is determined based on the borrower's creditworthiness, occupation, education, repayment ability, and ability to realize the purchased housing.

The following information must be provided

1, the purchase contract signed by the buyer and the company, more than 20% of the house payment receipt;

2, the buyer's valid ID, proof of marital status (marriage certificate or single certificate);

3, the buyer's income certificate (the bank to provide placed in the sales office);.

Three, the general provisions of the business

1, Qinhuangdao loan period is generally within thirty years, and the maturity date of the loan in principle can not be more than the age of the borrower (male) 65 years old, (female) 55 years old.

2, Qinhuangdao loan interest rate to implement the provisions of the People's Bank of China. In case of statutory interest rate adjustment, the contract interest rate will be enforced if the term is less than one year, and interest will not be charged in segments; if the term is more than one year, the new interest rate will be enforced at the beginning of the following year.

3, Qinhuangdao mortgage main repayment method is divided into two kinds of equal principal and equal principal and interest, the buyer is free to choose. Equal to the principal for the monthly repayment of principal and interest, the first more and then less; equal to the principal and interest for the monthly repayment of principal and interest, monthly repayment amount remains unchanged (interest rate adjustment changes).

Four, housing mortgage loan process

1, the project sales team and the buyer to sign the purchase contract, according to the contract requirements, pay off the required down payment of the house;

2, from the date of the signing of the contract of purchase and sale of commercial property within 5 days, to the real estate trading center market to apply for contract filing registration.

3, within seven days from the date of payment of the down payment, the purchaser provides information that meets the requirements of the mortgage bank, apply directly to the company's cooperative banks. Specifically, this includes: the contract of sale of the house (filed for registration), receipts for the house payment, identity cards, marriage certificates, income certificates and other information that the bank deems necessary to provide.

4, Qinhuangdao loan bank on the purchase of all aspects of the household and procedures for investigation, review, and meet the basic conditions of the buyer (including the buyer's wife) for the initial formalities, specifically including the application for borrowing, *** with the repayment of the statement, the commitment, the statement of the conversation, the loan contract, loan notes, etc.; and then the buyer of the deposit account or bank card in the loan bank, the bank reported to the higher bank for approval.

5, application approval period is generally within 7 days. For more than that period, the marketing department timely docking with the bank, understand the situation, solve the problem, and actively assist the buyer to complete the loan, and timely sign the stage of guarantee procedures with the mortgage bank.

(The above answer was posted on 2015-12-10, the current relevant home-buying policy please prevail)

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