Which bank in Xiamen has a similar interest rate for first-hand housing loans, but it can't be lower. Judging from your current situation, you can apply for a first-hand housing loan in Xiamen. Because Xiamen first-hand housing loan application conditions are:

(1) Having legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

(2) Having a good credit record and willingness to repay;

(three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(4) the contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses;

(5) Being able to pay the down payment of the purchased house;

(6) Opening a personal settlement account in a bank;

(7) Effective guarantee recognized by the lender;

At the same time, the process of handling first-hand housing loans in Xiamen is as follows:

(1) ID card;

(2) proof of marital status;

(3) proof of repayment ability and income;

(4) documents proving that the down payment for house purchase has been paid;

(5) A legally binding commercial housing sales contract signed with a real estate developer;

(6) If there is co-borrower or co-owner, co-borrower or co-owner shall provide relevant identity documents and a letter of commitment to agree to mortgage, and if there is co-borrower, proof of repayment ability shall be provided;

(seven) other information required by the bank.

If you have any questions, please feel free to ask Tuhua Education Group.