what are the requirements for a house loan?

1. The borrower must be a general partner with full capacity for civil conduct at the age of 18, and have legal and valid residence identity documents;

2. The borrower needs to pay the money for the first phase of house purchase;

3. The borrower needs a stable labor income and a level of repayment of loan and interest;

4. The borrower is allowed to use the purchased house and interests as collateral;

5. The property right of the house bought by the borrower is clear, and the house meets the circulation standard of entering the real estate industry stipulated by the government department;

6. The house bought by the borrower is not within the scope of the demolition announcement;

7. Academic qualifications of the loan bank standard. Procedures for housing loan

1. Submit the loan application

The buyer must submit the loan application at the bank counter and submit relevant information, such as a scanned ID card and a copy of the household registration; Personal income certificate (valid seal) issued by the subordinate unit or other relevant certificates that can prove the borrower's capital adequacy ratio; And other documents and information of its financial institution standards.

2. Sign a loan contract

After the loan application is successfully reviewed by the bank, sign a loan contract with the bank with the support of the bank staff.

3. Opening an account

Generally speaking, buyers must apply for a special savings card at the loan bank to repay the loan on a regular basis.

4. Lending

After the lending bank allows lending, the lending bank will directly transfer the loan to the bank account or designated account established by the borrower in the lending bank according to the loan contract. Why should I pay the public maintenance fund after buying a house?

The residential maintenance fee is mainly used for the maintenance, upgrading, renewal and transformation of the * * * parts and facilities of the house after the warranty period expires, so it needs to be paid. The basis of laws and regulations is Article 4 of the Measures for the Administration of Special Maintenance Funds for Residential Buildings, which requires that a housing maintenance fund for * * * parts and * * * facilities should be established after the sale of commercial housing and public housing. What is a housing maintenance fund?

1. according to the requirements of the "measures for the management of maintenance funds for facilities and equipment in residential areas" jointly implemented by the Ministry of construction and the Ministry of finance in 1998, the public maintenance fund is paid by all owners and belongs to all owners together. Under normal circumstances, it is managed by the real estate administrative department. After the establishment of the owners' committee, the public maintenance fund will be allocated to the industry committee, which will perform the management method.

2. The supervision of housing maintenance fund may follow five principles, namely, "unified deposit and payment, fund storage, financial funds, management decisions of community owners, and government supervision". Housing maintenance fund (housing maintenance fund) actually includes housing facilities special fund and housing maintenance fund.

3. The special fund for public housing facilities is commonly known as the special fund, which is used for the upgrading, renovation and transformation projects of public facilities and machines for property management, and cannot be lent. The special fund implements the principle of "money goes with the house". When the house is sold, the balance assets in the account will also be transferred to the new tenant of the house.

4. The housing maintenance fund is mainly used for large and medium-sized repairs, upgrades and reconstruction projects of public parts and property public facilities after the warranty period expires. The public parts refer to a part of the load-bearing components of the main body of property management behavior (including the load-bearing beams, columns, beams, floor slabs, roofs, etc.), outdoor walls, halls, stairs, corridors and other safe passages;

5. The machinery and equipment of public facilities refer to the water supply and drainage pipes, water storage tanks, pressurization, household elevators, wireless antennas, power supply lines, public lighting lamps, fire-fighting equipment, greening, roads, canals, pools, wells, non-profit parking garages, public cultural and sports facilities and houses used by public facilities in the property management area.