What materials do I need to apply for a commercial housing loan?
1. Copy of the ID card (temporary residence permit, passport, minor birth certificate or one-child certificate) of the loan applicant, spouse, * * * co-borrower and property owner (if single, a single certificate shall be issued to the local civil affairs department).
2. The borrower, spouse and * * * affix the personal seals of the borrower and the owner of the real estate.
3, the loan applicant, spouse, * * * and the borrower, property * * * copy of the household registration book.
4. Proof of the marital status of the lender (marriage certificate for married, single certificate for unmarried and divorce certificate for divorced).
5. Lender's income certificate.
6. One original of the house sales contract.
7. The down payment receipt signed by the seller mentioned in the sales contract.
8. Copy of the property right certificate of the house purchased.
What problems should I pay attention to when buying a house with a loan?
1. The loan will not take effect until the purchased product house is capped. Commercial mortgage must be handled as soon as possible, because there are many people queuing for loans, and the bank's policies may be adjusted. In order to avoid accidents, it is recommended that buyers apply as soon as possible, and only need to understand that the loan product can take effect after the house is capped.
2. The lender applies for the line according to his own ability, and the income proves to be twice the monthly repayment amount. Some banks also require buyers to provide proof of running water. If you are self-employed, you need to provide specific business details and tax bills. In addition, the loan interest rate of applying for commercial housing loans is slightly higher than that of provident fund loans, so borrowers need to make repayment plans in advance to avoid abnormal repayment.
3. Determine how much you can borrow and what kind of interest rate you can get under the current loan policy. For example, how to calculate the number of loans, if there are more than two loans, but they have all been liquidated, and so on. For example, if you have a Beijing hukou in Beijing, you can no longer use commercial loans to buy a house; Another example is the second home loan policy, the down payment, and the loan interest rate is 1. 1 times the benchmark interest rate. These problems should be clarified.