The second-hand housing loan

  • Created:
  • / Author: Aaron Lewis
The range of mortgage loans
       The scope of the secondary housing mortgage loans include Beijing City area can be listed transactions of residential, apartments, villas, Deshang and cost of public houses by the purchase price.
Loans, Shoufu ratio
       The longest on the loan period of 30 years
       ◆ Shoufu proportion of housing bid 30% (reference evaluation)
The required conditions
       We have the right of abode in Beijing City, registered permanent residence is not limited (Hong Kong and Macao and foreign also); age 18-60 year old in nature
       ◆ a stable occupation, stable income, ability to repay the loan principal and interest
       ◆ the borrower's actual age plus the loan period should not exceed 70 years
The borrower shall provide materials
       ◆ couples ID card, residence booklet / outsiders needs a temporary residence permit and residence booklet
       ◆ marriage / divorce certificate or court verdict / single proof 2
       The proof of income (bank specified format)
       Copy of the business license of the unit (seal)
Vendors should provide material
       ◆ couples ID card, residence booklet, marriage certificate
       The real estate certificate
Transaction data
       The seller and the buyer signed the "housing sales contracts"
       The first proof of payment
 Bank interest rates and repayment
       ◆ bank interest rates over the same period stipulated by the people's Bank of housing mortgage loan interest rates downward float of 15%
       ◆ repayment options monthly principal or principal mode.