1, loan application;
2. Legally valid identity documents (referring to resident identity cards, household registration books, military officers' cards, home visits for Hong Kong and Macao compatriots or other valid residence documents);
3. Proof that the down payment of the purchased house has been paid;
4. The original or photocopy of the economic income certificate recognized by the lender (including the borrower's family income certificate, tax payment certificate, bank statement, bank passbook, securities, etc.). );
5, the purchase of housing contracts, agreements or other valid documents.
Time of mortgage approval
The approval time of mortgage depends on many factors. If your loan bank has just set foot in the field of mortgage, the relevant insurance companies are all novices and need a lot of time to verify and evaluate, and there are many other problems in the loan process, then the loan bank may say that it will take two weeks to complete. At present, the approval time of mortgage is generally about one month, so you need them to give you the latest time commitment.
Factors affecting mortgage loan approval
If you provide complete and accurate information to the loan bank, the mortgage loan should be approved quickly. But if the insurance company finds that there is something wrong with your credit, the approval will be delayed. During your loan application, if something changes, such as work, salary, debt and marital status, you should inform the loan bank so as not to affect your approval progress.
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loan rate
The housing loan interest rate is the same as the commercial loan interest rate of the same grade stipulated by the People's Bank of China, and can fluctuate within the range stipulated by the bank. At present, the interest rates of major banks on the first suite are mostly around 15% off. Property buyers can also use the loan calculator to calculate their purchasing power and make full preparations for choosing a house.
Mortgage limit
Credit line/quota/quota/ceiling
Now the minimum requirement for the first suite is 30%, which means that the maximum loan can reach 70%.
Finally, it should be noted that the sum of the house age and the loan period cannot be too large. In the process of lending, banks have requirements on the age of the house and the term of the loan. Most banks require that the sum of the age of the house and the loan period should not exceed 40 years, and some banks should not exceed 65 years old according to their age. Property buyers can choose the right bank according to their own situation.