What information do you need to provide for the face-to-face signing of housing loans?
1, bank flow
Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks. Generally, banks recognize wage flow most, but some banks recognize self-storage flow. If the self-storage flow is submitted on a fixed date and amount every month and lasts for more than half a year, try to save more and take less, and accumulate a certain amount of deposits.
2. Proof of income
This is also the material that must be provided when signing face-to-face, and it is also the guarantee that reflects the repayment ability of buyers. In order to ensure that buyers can repay their loans on time, the minimum requirement of banks for personal monthly income is to reach twice the monthly payment. For example, the monthly payment is 2000 and the monthly income is 4000. If * * * is the same as the loan, you can provide proof of income of both parties.
3. Marriage certificate
Judging marital status, providing marriage certificate and household registration book are important prerequisites for judging repayment ability for family-based house purchase behavior. If you divorce, you need to provide a divorce certificate to determine whether the first suite or the second suite is to set the mortgage interest rate. Don't provide unmarried people, and don't need a single certificate.
4. Credit report
Mortgage is a bank loan, so you will naturally check the credit information of buyers. If you are single, you only need to provide your own credit report. If married, both husband and wife should provide credit report. In addition, there must be no less credit reports from both parties who buy a house with others.
Step 5 Buy information
If it is the first suite, you can bring a purchase contract. If it is the second suite, you need to bring the relevant certificate of the first suite. Remember, you must provide a receipt for the down payment. If you can't provide it, it will affect the face-to-face signing of the mortgage.
What should I pay attention to in face-to-face mortgage?
1, remember the loan application materials. Remember all the loan information before the interview, in case you can't answer the question or there is a huge gap between the answer and the information, or even the opposite answer. If you are afraid of forgetting the information you have filled in, you can make a copy of it yourself after filling it out, read it carefully before the interview and remember it before going to the interview.
Face-to-face attitude is very important. Go to the designated place for an interview as agreed, otherwise the staff will doubt everyone's credit. After all, people who will be late for the interview have a higher probability of overdue repayment, so they should have a correct attitude. In addition, when interviewing staff, you must be confident and not nervous.