Home mortgage

Feature of product

Housing mortgage loan refers to a loan that customers use real estate as collateral for various consumption, decoration and purchase of cars, etc., and apply for loan consulting services through Yibei Credit and apply to the bank. The real estate after processing can still be used or rented normally.

Access Requirement

Chinese citizens holding second-generation ID cards

18 years old (inclusive) to 70 years old (inclusive)

Can provide Chongqing local real estate mortgage

Good credit history

Customer notice

Application conditions

① A natural person under 70 years of age (inclusive) with full capacity for civil conduct;

②Able to provide legal, effective and full-value real estate as mortgage;

③Good credit, capable of repaying principal and interest in full and on time;

④Other conditions stipulated by the industry.

materials needed

① ID cards of both spouses

②Hukou Book (full page)

③Marriage certificate

④ Real estate certificate (full page)

⑤Proof of work income for both spouses (valid within 30 days)

⑥Individual current bills of both spouses in the past six months (with bank seal)

⑦Usage certificate, etc. (only for consumption)