Product features
At present, the mortgage loan amount can be more than one times of the mortgage loan amount of the cooperative bank, but it can not be used as the mortgage loan through the credit investigation service of the cooperative bank.
Access conditions
Chinese citizens holding second generation ID cards
22 (inclusive) to 65 (inclusive)
Can provide Chongqing local real estate mortgage
Good credit record
Notice to customers
Application conditions
① A natural person under 65 years old with full capacity for civil conduct;
② It can provide legal, effective and full value real estate as mortgage;
③ Good credit and ability to repay principal and interest in full and on time;
④ Other conditions stipulated by the industry.
Materials required
① ID cards of husband and wife
② Household register (full page)
③ Marriage certificate
④ House property certificate (full page)
⑤ Working income certificate of husband and wife (valid within 30 days)
⑥ Personal running bills of husband and wife in recent six months (with bank seal)
⑦ Purchase contract (the second-hand house needs to be filed in the real estate under the jurisdiction)
⑧ Mortgage loan contract
⑨ Certificate of use, etc
