Extended Information Jinshang Bank is a joint-stock commercial bank with its head office in Shanxi, and it is a provincial-level large-scale financial enterprise. Housing loan refers to RMB loans issued by Jinshang Bank to eligible borrowers, including personal housing mortgage, personal commercial housing mortgage, personal second-hand housing purchase, personal housing mortgage or personal housing provident fund entrustment. The loan interest rate is low, the amount is high, and the application process is fast.
Conditions for Jinshang Bank to Apply for Mortgage
(1) A natural person with full capacity for civil conduct, whose age meets the conditions stipulated by the bank.
(2) Possessing valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried certificate).
(3) Having a good credit record and willingness to repay.
(four) a stable source of income and the ability to repay the loan principal and interest in full and on time.
(5) Having a clear loan purpose, complying with national laws, regulations and relevant provisions, and promising that the loan will not flow into the securities market, futures market, equity investment and real estate project development in any form, and will not be used for borrowing to obtain illegal income, or other projects explicitly prohibited by other national laws and regulations.
(6) It can provide legal and effective guarantee recognized by the lender.
(7) Opening a personal settlement account with Jinshang Bank.
(8) Other conditions stipulated by the lender.