What are the requirements for housing mortgage loan
1. Have a valid ID card and proof of marital status;
2. Good credit record and repayment willingness;
3. Stable income;
4. Commercial housing sales contract or letter of intent for the purchased house;
5. Have the ability to pay the down payment for the purchased house;
6. Open a personal settlement account in a bank and have effective guarantee. The loan amount is the amount of personal housing loan issued by the bank, which is not higher than 8% of the value of the house to be purchased or the total actual purchase cost assessed by the real estate appraisal agency (whichever is lower).
article 42 of the law of commercial banks, the borrower shall repay the principal and interest of the loan on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank shall have the right to demand the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral according to law. Real estate or equity acquired by a commercial bank due to the exercise of mortgage or pledge shall be punished within two years from the date of acquisition. If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility in accordance with the contract.
What should we pay attention to when buying a house?
1. It means that the middle part of the house should not be used as a toilet, otherwise it will be like the accumulation of waste in a person's heart, and it will naturally run out. If the toilet is not located in the house, but it is located in the back half of the house, just in line with the gate, it is not appropriate to choose it as a residence, because it is likely to lead to financial losses.
2. geomantic omen pays attention to gathering wind, which means that the place with strong wind will definitely not be prosperous! However, it should be noted that it is not good to have too much wind, but if the wind is too slow and the air is not well circulated, it is by no means appropriate! The ideal living environment is that there is a soft breeze blowing slowly, and the breeze is cool, which is in line with Feng Shui.
3. It's not suitable for Yang Zhai's geomantic omen to pay attention to sunny air, so choosing a house to live in requires not only fresh air, but also plenty of sunshine. If it's a house with insufficient sunshine, it's often too cloudy, which will lead to restless home, so it's really not suitable for living.
4. It's not appropriate to go straight into the streets. Feng Shui prefers to turn around and avoid going straight, because the trend of going straight is sharp. If the residence bears the brunt, it will be very harmful. Don't be careless! Therefore, when you go to choose a building, you may wish to have a look around the house first to see if there is a situation in which streets and lanes rush straight ahead.
after the above specific introduction, we have thoroughly understood what are the requirements for mortgage loans and what should be paid attention to when buying a house. Everyone should have a detailed and in-depth understanding of the problem of buying a house, and every question about buying a house should be answered in detail. Only in this way can people buy a house with confidence.