You can apply for a loan if your house in Luzhai County, Liuzhou meets the conditions for a bank mortgage loan. The requirement for a bank mortgage loan is a large property with a real estate certificate that can be traded on the market;

1. Application conditions for house mortgage:

Nature of the house; residence, office building, villa, commercial house, cost-price house, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years

The mortgagor (normal age is 18-65 years old) and is in good health

The mortgagor’s credit report must not be involved in the past 24 months 6

The mortgagor can prove the source of repayment and other assets (large time deposit certificates, second properties, stocks, funds, etc.)

The actual purpose of the funds is clear

2. Preparation materials: ID cards and household registration of the borrower and spouse Original and copy of this document (if you are single, you need to issue a single certificate)

Proof of the borrower's marital status and a copy

Home property, car ownership certificates and copies, and other asset certification materials (Original and photocopy of house ownership certificate, land use certificate, deed)

Personal main bank account statement for the past 6 to 12 months (stamped with banking business seal)

Work Proof of unit income

Family private loan slip and other supporting materials

Evaluation report

3. House mortgage loan process:

Submit materials

Sign bank documents

House appraisal

Bank approval

Bank loan

Mortgage registration

Monthly repayment