Personal second-hand housing mortgage loans:

The range of 1 loans

For the purchase of second-hand housing to banks for mortgage loans, its scope includes the Zhengzhou City area. The residential property, apartments, villas, Deshang and cost of public houses by the purchase price.

2 loans, Shoufu ratio

The longest on the loan period of 30 years

◆ Shoufu proportion of housing bid 20% (reference evaluation)

3 the borrower required conditions

◆ have right of abode in the north of Zhengzhou City, account open (Hong Kong and Macao books can); at the age of 18 natural - 65 years

◆ 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 60 years

4 the borrower shall provide materials

◆ identity card, residence booklet or temporary residence certificate

The proof of income (to cover unit seal or the personnel, financial chapter, chapter business or the contract is invalid)

◆ marriage certificate (for a marriage certificate, divorce certificate or where the police, neighborhood committees issued marriage or single proof)

◆ the spouse's ID card and residence booklet

5 the Seller shall provide materials for housing

◆ identity card, residence booklet

◆ transactions Housing property certificate

6 transaction data

The seller and the buyer signed the "housing sales contracts"

7 bank interest rates and repayment

◆ bank interest rates over the same period stipulated by the people's Bank of housing loan interest rates

◆ repayment matching service and matching principal, choose

If necessary, please contact us!

Tel: 15238656325 Contact person: Niu Yan