Question 2: What materials do commercial loans need to buy a house? What materials are needed for commercial loans?
One original and one copy of the ID card of the borrower and spouse.
Original and photocopy of the household registration book of the borrower and spouse 1 copy (first copy of the household registration book, home page, borrower and spouse page, change page).
One original and one copy of the borrower's marriage certificate (if unmarried, write an unmarried statement)
One original and one copy of the borrower's passbook.
Original income certificate of the borrower
Copy of the business license of the borrower's enterprise as a legal person.
One original and one copy of academic certificate (provided by junior college or above)
One original and one copy of the Borrower's down payment invoice.
One original and one copy of the pre-sale contract for commercial housing.
Question 3: What materials do you need to apply for a commercial housing loan? If you are not a local hukou, you need to increase the down payment or you won't enjoy the interest rate discount!
If it is an individual's first loan, you can enjoy the downward floating interest rate, with an annual interest rate of 5. 8 14%
If the equal principal and interest method is used and the loan is 20 years,
Loan1.50,000 monthly repayment 1.058. 665438+ total interest 0 yuan 1.04068.02 yuan.
The monthly loan is 200,000 yuan, and the repayment is141.48 yuan, and the total interest is 138757. 19 yuan.
Personal housing mortgage loan
Personal housing mortgage loan refers to a form of consumer loan in which the borrower takes the purchased house (existing house or forward house, which must be a multi-storey house and a high-rise house with the main structure capped) as the mortgage, and after the down payment is paid, the bank provides loans for the insufficient part of the house purchase.
To apply for individual housing mortgage loans, the following basic conditions shall be met:
(1), with permanent residence in Jinan or valid temporary residence permit for Jinan residents, with full capacity for civil conduct;
(two) a stable occupation and income, good credit, the ability to repay the principal and interest of the loan on schedule;
(3), and the purchase of housing contracts or agreements;
(4) There is a down payment of not less than 30% of the total house price, and there is a receipt for advance payment issued by the developer;
(5) The borrower agrees to use the purchased house as mortgage and go through the mortgage registration procedures.
The main information that the loan applicant should provide:
(1), the original and photocopy of the ID card of the borrower and the borrower (husband and wife or others);
(2) The original and photocopy of the borrower's household registration book, the original and photocopy of the marriage certificate, and the borrower's household registration book. If the husband and wife are not in Jinan, they need to provide valid certificates issued by the local police station and the temporary residence permit of the public security department of Jinan;
(3) The original legal house purchase contract (or agreement);
(4) proof of income of family members;
(5) The original and photocopy of the certificate and receipt of more than 30% advance payment for house purchase;
(6) Both husband and wife have the same repayment commitment letter;
(seven) other information required by the bank.
Loan amount:
The maximum loan amount is 70% of the total price of the purchased property. Outsiders may have to raise the down payment.
Loan term:
The longest loan period is 30 years, and the second-hand house is 20 years.
Repayment method:
There are two ways to repay personal housing mortgage:
1. Equal repayment method:
Monthly repayment of principal and interest
=
Total loan principal × monthly interest rate× (1+monthly interest rate) repayment months
(1+ monthly interest rate) Number of repayment months-1
2. Decreasing repayment method:
Monthly principal repayment
Interest payment amount
=
Loan principal amount
Number of months of loan period
+(
Loan book
The quantity of gold
―
repay the loan
Cumulative principal amount
) × monthly interest rate × 1/30×
Monthly reality
International Day
Loan interest rate:
According to the loan interest rate stipulated by the People's Bank of China. If the term is within 1 year (including 1 year), the contract interest rate shall be implemented. In case of adjustment of the legal interest rate, the interest shall not be calculated by stages; If the term exceeds 1 year, in case of legal interest rate adjustment, the interest rate level for the next year will be determined according to the current interest rate of 1+0 per year.
Question 4: What materials do buyers need to provide for commercial loan business? To apply for a commercial loan, you need to prepare the following materials:
1, my household registration book, ID card or marriage certificate (unmarried single certificate); (3 originals and copies)
2. Foreign household registration needs to provide temporary residence permit or residence permit; (3 originals and copies)
3. Proof of occupation and income; (3 originals and copies)
4. Sales contract, down payment invoice or receipt and other relevant supporting materials; (3 originals and copies)
5. Proof that the down payment accounts for 30% of the house price; (3 originals and copies)
In addition to the above information, different banks have different requirements for commercial loans, and other information required by lending banks should be inquired in detail.
Question 5: What materials do I need to bring to buy a second-hand house commercial loan? Hello, if you need to apply for a second-hand real estate loan, you usually apply for a loan from our bank before going through the formalities of property transfer. You can provide your specific information and purchased property by contacting the local counter personal loan department, and the counter personal loan department will review your comprehensive situation to determine whether you can handle it. Application materials generally required for loan application: 1. Identification materials: ID card, military officer's card, etc. 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Use certificate: the original property right certificate of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the supervision fund entry certificate is enough); 4. Proof of repayment ability (provide one or more of the following): (1) Provide proof of income for customers whose income is basically consistent with their local industries, occupations and positions, and their income level is sufficient to meet repayment needs; (2) For self-employed individuals and customers whose income is significantly higher than that of the same position in the local industry, supplementary proof materials of repayment sources shall be provided. Including but not limited to: ① providing a running list or a reliable list of wages paid by banks for more than three consecutive months in the past year; (2) provide proof of holding shares of relevant institutions and proof of share dividend income; (3) Provide proof of family assets, including financial assets or non-financial assets. (3) Our payroll customers can directly provide their payroll account flow, without the need for the unit to issue a separate income certificate; (4) Customers who can provide social security account running water or personal tax bills do not need the unit to issue income certificates, and the Bank calculates the customer's income according to the relevant provisions of local social security account payment or tax policies; If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
Question 6: What materials are needed for housing loan? Make a minimum down payment of 20-30% of the house price, and then wait for the bank to apply for a mortgage loan with proof of income.
Information to be provided for individual housing loan:
When applying for individual housing loan, the borrower shall first fill in the Application Form for Individual Housing Loan and provide the following information:
1. Borrower information: (1) Borrower's legal identity document; (2) the borrower's economic income certificate or occupation certificate; (3) Borrowers with spouses need to provide proof of husband-wife relationship; (4) If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment responsibility of * * *; (5) If there is a guarantor, relevant information of the guarantor shall be provided.
2. Information of purchased house: (1) Letter of Intent for the purchase of commercial house contract or commercial house sales (pre-sale) contract signed by the borrower and the developer; (2) A copy of the down payment bank deposit slip and down payment receipt issued by the developer; (3) Other documents or materials required by the lender.
Go through the mortgage registration procedures for individual housing loans:
After the loan is approved, the buyer should sign a loan contract and a mortgage contract with the loan bank, and go through the mortgage registration formalities at the property management department under the jurisdiction of the property right with the following materials: (1) the original and photocopy of the ID card and marriage certificate of both husband and wife of the buyer; (2) Loan contract and mortgage contract; (3) Real estate mortgage application review registration form; (4) All purchase contracts; (5) Other information required by the real estate department.
The time for real estate management departments to handle mortgage registration is generally 15 working days. After the mortgage registration formalities are completed, the mortgagor shall hand over the mortgage certificate of the faster house or the house ownership certificate issued by the real estate management department to the loan bank for safekeeping.
Question 7: What materials are needed to withdraw provident fund and commercial loans? What materials are needed:
1, original ID card and marriage certificate of the borrower and spouse;
2 loan repayment account voucher (repayment passbook or repayment card);
3, commercial personal housing loan information registration certificate issued by the loan bank (loan certificate);
4. Personal credit report issued by China People's Bank that can reflect the borrower's specific loan information (detailed version);
5. Original commercial loan contract.
6. Other materials required by relevant regulations and management core. Processing time: When employees apply for monthly repayment of commercial loans, they should apply for signing an agreement on monthly repayment of commercial loans at the service outlets of housing provident fund collection business (the bank outlets where the units deposit housing provident fund) within one month after the loan bank registers the loan information (loan certificate).
Handler:
1, the applicant goes to the loan bank to register the commercial personal housing loan information and print the loan voucher;
2. The applicant holds relevant materials to apply for signing a monthly repayment agreement for commercial loans at the banking service outlets that undertake the housing provident fund collection business, and handle related businesses.
Question 8: What materials are needed for housing mortgage loan? Materials to be provided for real estate mortgage loan: ID card, household registration book, household registration book, marriage certificate, bank account number, and salary certificates of both husband and wife. Of course, the basic conditions of bank loans must be met, such as the age of the house is mainly between 18 and 65 years old, the age of the house is not more than 20 years, and the house with a good geographical location is not more than 30 years. The house must be a commercial house with big property rights, and there is no real estate dispute ◆ ID card, household registration book, proof of residence address and proof of marital status. ◆ Personal income certificate and asset status certificate. ◆ Proof of property right of mortgaged house. ◆ If the applicant mortgages other people's property, it is also required to provide the ID card of the property owner (including the owner of * * *), proof of marital status and written proof of consent to mortgage. Mortgage bank loan process ◆ The borrower applies and submits relevant materials. ◆ Conduct real estate appraisal and pre-loan investigation and approval. ◆ Pass the examination and approval and go through the mortgage registration formalities. ◆ When granting the loan, the borrower will repay the loan principal and interest on a regular basis as agreed in the contract. ◆ Settle the loan principal and interest and recover the mortgaged house. Details, the specific relevant departments will tell you.
Question 9: What information should I prepare for the first home purchase loan? Provide husband and wife's ID card, household registration book, marriage certificate, your education certificate, income certificate, a copy of the valve industry license of your work unit, with official seal and bank account. If it is a foreign household registration, it is necessary to provide temporary residence permits, driver's licenses, stock funds and other asset certificates to improve comprehensive credit.