What are the real estate mortgage loan conditions of the five major banks of China Agricultural and Industrial Construction? No matter which bank you apply for a loan, you must first have a good personal application and stable financial resources. After making sure that you meet these two basic conditions, take a look at the five major state-owned banks: Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, Bank of Communications and China Construction Bank. Real estate mortgage loan conditions

1. What are the real estate mortgage loan conditions of Bank of China?

(1) Permanent residence or valid residence status in China

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(2) Have stable career and economic income, good credit, and have the ability to repay loans Ability to pay interest

(3) Have signed a house purchase contract or contract

(4) Pay a down payment that complies with relevant supervision regulations

(5) Provide lender approval Effective guarantee

(6) Other conditions stipulated by Bank of China.

2. What are the conditions for real estate mortgage loans of Agricultural Bank of China?

(1) The borrower must be between 18 and 60 years old and must be in good health.

(2) The borrower must have a legitimate career and stable financial income

(3) The borrower can repay the loan interest recently and has good credit (if the loan is used for consumption, if the loan is used for business, the credit rating is above 580 points, the credit rating is above 465 points)

(4) You can provide qualified residential or commercial-residential properties as collateral

(5) Agree to apply for a bank card and passbook at the Agricultural Bank of China, and entrust the Agricultural Bank of China to deduct the loan interest for each period.

3. What are the conditions for ICBC real estate mortgage loans?

(1) Natural persons with full capacity for civil conduct, foreigners aged between 18 (inclusive) and 65 (exclusive) and residents of Hong Kong, Macao and Taiwan serve as borrowers in the People's Republic of China* **Residing in China for more than one year must have a fixed residence and occupation

(2) Have a legal and valid ID card, household registration certificate (or valid residence certificate) and marital status certificate)

(3) Have a good credit record

(4) Have a stable source of income and the ability to repay loan interest in full and on time

(5) Have a clear and legal loan Purpose, ICBC real estate mortgage loans require that loan funds shall not flow into the securities and futures markets in any form for speculative investment activities

(6) Legal, valid and reliable housing mortgages recognized by the bank can be provided

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(7) Open a personal settlement account with ICBC

(8) Other conditions stipulated by ICBC.

4. What are the conditions for Bank of Communications housing loans?

(1) A natural person with full capacity for civil conduct

(2) A fixed residence

(3) A legitimate occupation and a stable source of income

(4) Have the ability to repay loan interest

(5) Other conditions stipulated by the bank.

5. What are the conditions for real estate mortgage loans of China Construction Bank?

(1) Have legal status

(2) Have stable economic income, the ability to repay loan interest, and no bad credit record

(3 ) has a legal and valid birth certificate

(4) If the newly purchased house is used as the maximum mortgage, a real estate certificate has been issued, and the house is less than 10 years old

(5) Purchase of a house For mortgage loans, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged housing, the housing used for mortgage has obtained a housing rights certificate, and the housing age is within 10 years

(6) Be able to provide an effective guarantee for loan approval

(7) Other conditions stipulated by the lending bank.

The above are the housing loan conditions of the five major state-owned banks summarized for you by Housing Fee Content, no matter which loan you make, you need to apply well, cherish your credit in daily life, and get a smooth loan when you need money.