You can apply for a first-hand housing loan at the branches of Bank of China. The required materials include:
1. Loan application form;
2. Legally valid Valid residence certificate;
3. Proof that the down payment of the house purchased has been paid;
4. Proof of economic income (including but not limited to proof of the borrower’s family income, tax payment certificate , bank statements, etc.);
5. Legal and valid house purchase contract or agreement;
6. List of mortgages (pledges), proof of ownership, and consent of the person with the right to dispose of the property Proof of mortgage (pledge);
7. Written documents and credit certificates indicating that the guarantor (if any) agrees to provide loan guarantee;
8. Authorize the lender to inquire about China The relevant documents of the People's Bank of China's personal credit reporting system and recording the query results;
9. Laws, regulations, regulatory provisions and other supporting documents or information required by the lender.
For specific application materials and processing requirements, please refer to the Bank of China business outlets.
When applying for a personal second-hand housing loan, in addition to the above information, you also need to provide the following information:
1. A valid identity document of the seller (including ***);
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2. Valid proof of ownership of the house to be sold;
3. Written document signed by the owner of the house agreeing to sell the house;
4. Already The rental house must provide a lease contract and a letter of commitment from the lessee to waive the right of first refusal;
5. Other documents or information required by the lender.
For specific application materials and processing requirements, please refer to the Bank of China business outlets.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.