1. Personal commercial housing loans are self operated loans issued by banks with their credit funds to natural persons who purchase, build or repair various types of housing in cities and towns. It is also called self operated personal housing loan. Specifically, it refers to the commercial housing loan that a natural person with full civil capacity applies to the bank as a guarantee for repaying the loan by taking the property right housing (or other guarantee methods recognized by the bank) purchased by him as collateral when he buys his own housing.
2. Have legal and valid identity certificates. ID cards and household registers of the residents of the city; In addition to the ID card and household register, residents of other provinces and cities shall also provide the household registration certificate or temporary residence permit provided by the local household registration management department; Foreigners shall provide passports. A birth certificate or an only child certificate is required for those under 18 years of age.
3. It must have stable and legal economic income and be able to provide corresponding income and asset certificates. The income certificate shall be issued by the borrower's work unit, stamped with the company's personnel seal or official seal and a copy of the business license. Individual, private and private borrowers can provide copies of tax receipts and business licenses for the past three months. If the monthly income issued exceeds 2000 yuan, tax receipts or other asset certificates (bank deposit receipts, marketable securities, investment certificates, real estate, etc.) shall be provided
4. A natural person with full civil capacity and no bad credit record.
5. Sign a valid house purchase contract or agreement with the seller.
6. A specified proportion of down payment (generally no less than 30% of the total price of the house purchased) has been paid or a deposit no less than the down payment has been deposited in the lending bank.
7. The age of the lender is 18-65 years old, and the limit of loan life varies with different ages.
8. Other conditions stipulated by the lending bank.