The borrower needs to submit the following materials when applying for a loan: 1. Proof of identity, such as resident identity card, household registration book or other valid identity documents; 2, proof of marital status, married people should provide a marriage certificate, unmarried people provide proof of unmarried or sign a declaration of unmarried; 3. The borrower's asset certificate, income certificate and work certificate; 4. Proof of loan use; 5. Other loan information required by the lending bank.
Second, what information does the loan need?
That depends on what kind of loan you have. Different loan preparation materials are also different.
Generally, it is necessary to prepare economic certificates such as ID card, household registration book, marriage certificate (single certificate) and income certificate.
This is the basic information that needs to be prepared for loans. According to different loan types, add the corresponding information.
Three. What materials do you need to provide for the loan?
Bank loan demand
1. Valid ID; 2. Permanent residence or valid residence certificate, permanent residence certificate; 3. Proof of marital status; 4. Bank flow; 5. Credit report; 7. Use plan or loan purpose statement; 8. Other information required by the bank.
Credit conditions of bank loans
Bank loans generally need to be secured, mortgaged, or income proof and good personal credit information before they can apply.
1. Author's name or source note
The credit line is the maximum amount that borrowers are allowed to borrow in the agreement signed between borrowers and banks.
2. Working capital credit agreement
Revolving credit agreement is a bank loan agreement that is not restricted by law.
3. Compensatory balance
Compensatory balance is the minimum deposit balance calculated according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%). ：
widening of capital
First, what are the precautions for couples to buy a house:
* * * Buying a house needs to pay special attention to four aspects.
Signature and transfer of ownership require the presence of both husband and wife. In addition, couples also need to study in advance when preparing documents and applying for a mortgage.
1, the main loan and the sub-loan are particular.
Because credit policy makers and subprime lenders should not simply look at income levels according to demand.
When the husband and wife jointly repay the loan, when determining the main lender and the secondary lender, they must be determined according to the actual situation. Under normal circumstances, in a bank housing loan contract, only one party can be regarded as the "lender" (usually called the main lender) and the other party as the "* * * lender".
When determining the main lender, we should choose the spouse with high and stable income, and pay attention to the age limit, otherwise it will affect the loan term.
In addition, experts reminded that it is necessary to pay attention to changes in credit policies. If you can't provide local tax payment certificates above 1 year, or you will be treated differently by the society, such as the first floating mortgage, this will undoubtedly increase the consideration of buying a house.
2. Both parties to the contract attend in person.
In the process of buying a house, both husband and wife need to be present at the same time to conclude the sales contract, handle the mortgage and transfer the ownership. In addition to signing real estate sales contracts, handling mortgages and handling the market.
Experts explained that applying for a mortgage is at the same time, and banks need to review their qualifications and handle related matters at the same time.
In addition, when handling the transfer formalities, in principle, both parties are required to be present at the same time, because according to the provisions of the Civil Code, whether the husband and wife have * * * and * * * or have * * * in shares needs to be reflected in the sales contract and then stated in the real estate license, so both parties need to be present to sign and confirm. However, if you can't be present, you must also go through notarization and entrustment procedures and explain the relevant matters clearly.
3, prospective couples buy a house and re-register.
What needs special reminder here is that there are many prospective couples buying houses together. In order to reduce it, experts suggest making some efforts on the registration content of real estate license.