1
Lending policy
Take mortgage as an example. Generally, the first suite policy stipulates that the down payment ratio is 30% or above, and the interest rate is the benchmark interest rate. At the same time, the loan conditions for foreigners to buy a house are also stricter. The first condition of a loan is a tax payment certificate or a social security certificate for a certain period of time. At the same time, before making a loan, you should also check my credit report with the credit management department to confirm whether you can make a loan.
2
personal credit
According to the Interim Measures for the Administration of Basic Data of Personal Credit Information, I need to inquire in person. When inquiring, the original and photocopy of personal valid identity certificate shall be provided, and the photocopy shall be left to the inquiry institution for future reference.
Personal valid identity documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit. Please wait until the credit information center of the People's Bank of China or the credit information management department of the People's Bank of China.
In addition, the personal credit report application form should be filled in truthfully when inquiring. The personal credit database network covers all parts of the country. No matter where you are, you can go to the local branch of the People's Bank of China for inquiry without any charge.
three
complete information
After making some preparations before the loan, everyone needs to submit personal data to the bank to get approval. Preparing relevant materials can also save some time and avoid unnecessary time loss.