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A 申请条件及申报资料申请二手按揭贷款的条件要申请二手按揭贷款,申请人必须具备一定的条件,有几个条件是各银行都相同的,那就是1)申请人必须年满18周岁,具有完全民事行为能力的中国公民(农业银行含港澳人士,建设银行包括在中国大陆具有有效居留证件的境外、外国公民);2)申请人有稳定的合法收入,有还款付息能力;3)借贷人同意以所购房产作抵押;4)所购房屋产权清晰,能进入房地产市场流通,且不在拆迁公告范围内。申请二手按揭贷款需提交的资料1)收入证明资料(如单位收入证明、存款证明、有价证券及其他收入证明);2)身份证明资料:身份证、户口薄、婚姻状况证明、港澳人士《回乡证》、现役军官证、警官证等;3)买卖双方签订的购房意向书或协议;4)若买方为企业法人的须提供有效的《企业法人营业执照》、《法人代表证明书》及近期财务报表、《贷款证》等有关证件咨料。
A conditions of application and application materials Application for second-hand mortgage loan conditions To apply for second-hand mortgage loans, the applicant must have certain conditions, there are several conditions that banks are the same, that is 1) the applicant must be 18 years of age, with Chinese citizens with complete civil capacity (ABC, Hong Kong and Macau, CCB, including foreign and foreign nationals with valid residence permit in Mainland China); 2) Applicants have stable legal income and have repayment and interest payment ability; 3) The borrower agrees to mortgage the purchased property; 4) The purchased property has clear property rights and can enter the circulation of the real estate market, and is not within the scope of the demolition announcement. 2) Identification documents: identification card, household registration card, proof of marital status, Hong Kong and Macao people “ 3) The buyer’s letter of intent or agreement signed by the buyers and sellers; 4) If the buyer is a corporate legal person to provide a valid ”business license“, ”legal representative certificate“ and Recent financial statements, ”Loan card" and other related documents and materials.