Housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house with property ownership certificate and a house or commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral.

1. Information required for mortgage loan:

3. The original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not in the same household registration, a marriage certificate shall be attached);

Original purchase agreement;

1 Original and photocopy of advance payment receipt for 30% or more of the house price;

Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

The developer's collection account number is 1.

Two. Mortgage loan conditions:

Age 18-65 years old, with full capacity for civil conduct;

Pay a down payment;

Have a stable legal income and the ability to repay interest;

The Borrower agrees to use the purchased house and its rights and interests as collateral;

The purchased second-hand houses have clear property rights and meet the requirements for entering the real estate market stipulated by the local government;

The purchased house is not within the scope of the demolition announcement;

Other conditions required by the lending bank.

Third, the process of mortgage loan:

The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;

After receiving the application, the loan bank shall confirm and review the information;

After the audit, the loan bank contacts the lender and signs the relevant contract;

For bank loans, the lender shall fulfill the repayment obligation.