In real life, many people need to buy a house through mortgage. For those who apply for loans for the first time, they often don't know what loan materials to prepare. Today, I will introduce the relevant content to you, hoping it will be useful to you.
Because there are many forms of CCB mortgage, here we mainly introduce the loan information of individual housing loan, provident fund individual housing loan and individual housing portfolio loan. Details are as follows:
Information needed for personal housing loan
1, the applicant's identification materials, such as second-generation ID card, household registration book, military officer's card, police officer's card, etc. ;
2 completed CCB mortgage application materials;
3. Materials that prove everyone's repayment ability, such as proof of work income and proof of repayment ability;
4. Signed purchase contract, down payment certificate, etc. ;
5. Proof materials of mortgage guarantee that meet the requirements of CCB.
Provident fund personal housing loan
While handling commercial housing loans for everyone, CCB can also handle provident fund housing loans for everyone. To apply for a provident fund personal housing loan through CCB, you need to prepare the same materials as ordinary commercial loans, as well as materials such as the deposit certificate of provident fund.
Personal housing portfolio loan
The information required for individual housing portfolio loans is complicated, so everyone needs to provide loan information to CCB and the housing provident fund management center at the same time.
1. Notice of Entrustment of Personal Housing Loan for Provident Fund issued by Provident Fund Center and loan application form filled out by itself;
2. Identity certificate, income certificate, down payment certificate, house purchase contract, guarantee materials, etc.
The above are the loan materials you need to prepare to apply for three kinds of personal housing loans. Among them, individual housing portfolio loans need more materials and the application process is more troublesome.
What are the procedures for CCB to handle mortgages?
Need application materials:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status. Unmarried persons need to provide unmarried certificates, and divorced persons need to issue court civil mediation or divorce certificates;
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).
Extended data:
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.
Mortgage loan-Baidu encyclopedia
What information does CCB need for personal housing loan?
1. Applicant's identification materials: including resident identity card, household registration book, military officer's card, police officer's card, civilian cadre's card, passport, Taiwan Province compatriots' pass to and from the mainland, Hong Kong and Macao residents' pass to and from the mainland, residence certificate or other valid identity documents.
2. Proof of repayment ability: including proof of salary income, proof of investment and operation income or other proof of income.
3. Proof of house purchase: legal and effective house purchase (construction, overhaul) contract, agreement or (and) other approval documents.
4. Proof of down payment: including purchase down payment invoice, bank transfer certificate, or details of the seller's deposit account or proof that funds are deposited in a special account, etc.
5. Loan Application Form: The completed and signed "China Construction Bank Personal Housing Loan Application and Loan Investigation Report Approval Form".
6. Loan guarantee materials: mortgage or pledge guarantee method, list of mortgage or pledge rights, ownership certificate, etc. ; Guarantee method, providing the written commitment issued by the guarantor to provide the guarantee, the guarantor's guarantee ability certification materials, etc.
7. Other materials required by the Construction Bank.