The process of handling commercial loans:

1. Submit a loan application. When you sign a house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.

2. The bank is under investigation. After the bank receives the application materials of the loan applicant, it will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month. During the bank investigation, the loan applicant will be asked to supplement some information according to the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.

3. Bank verification and approval. The loan bank will verify several aspects: the situation of the house, the qualifications and credit of the borrower, etc. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life.

4. Both parties shall go through relevant formalities. The bank informed the loan applicant that after the loan was approved, it was necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. When signing a loan contract and handling the guarantee formalities, you must know the detailed rules in the contract in detail and make clear your rights and obligations so as to avoid unnecessary misunderstanding.

5. Banks issue loans. After all the loan procedures are completed, the bank will transfer the loan funds to the account of the real estate developer, and the loan relationship will be established, and the lender will repay the loan according to the regulations.

Materials required for loan:

The borrower shall fill in the Application Form for Individual Housing Loan in China Construction Bank or the agency of the developer who signed the Cooperation Agreement with China Construction Bank, and provide the following materials:

1. My household registration book, ID card or other valid proof of residence;

2. Proof of occupation and income;

3. Purchase contract or letter of intent and other relevant certification materials;

4. Proof that the down payment accounts for 30% of the house price;

5. Other materials required by the agency of China Construction Bank.

What materials should I prepare to apply for a commercial loan?

Materials to be prepared for commercial loans: unit income certificate and bank flow determine your loan amount.

1) Original and photocopy of ID card, household registration book and marriage certificate.

It should be noted here that no matter the ID card, household registration book or marriage certificate, the original should be provided for the bank account manager to check. After checking, the bank will return the original to the borrower and keep a copy.

2) Temporary residence permit or residence permit is required for foreign household registration.

In the past, people with foreign household registration could not borrow money from banks. With the development of urbanization, this article is obviously gone, but for people with non-local household registration, banks still need borrowers to provide temporary residence permits or residence permits.

3) The income certificate issued by the work unit (fixed format required by the bank) and the copy of the business license of the work unit (copy) shall be stamped with the official seal.

The income certificate is an important proof for the bank to verify the borrower's repayment ability, because the borrower needs to issue it in strict accordance with the format stipulated by the bank. Generally speaking, banks will provide borrowers with a standard format, and borrowers only need to fill in the format and stamp it. In addition to the income certificate, the bank will also require the borrower to provide a copy of the business license of the unit, and at the same time, the copy can be stamped with the official seal of the unit.

4) Sales contract, down payment invoice or receipt.

The borrower needs to bring the original sales contract signed with the developer or the homeowner and the down payment invoice (the down payment issued by the developer or the homeowner and the intermediary contract signed with the intermediary).

5) The salary flow or other asset certificates in the last six months.

In the past, most banks only needed borrowers to provide proof of income. In recent years, with the increasingly standardized and strict loan process, in order to prevent wage fraud, at present, basically all banks will require borrowers to issue a monthly salary (which can be issued by the bank where the salary card is located or replaced by the tax payment certificate issued by the tax authorities). If the borrower has other assets, such as real estate, cars, deposits, etc. There is no need to provide proof materials to the bank, but these materials will improve the approval speed of the bank and the loan amount of the borrower.

6) Other information required by the bank.

Each bank and even each bank's branch will have some differences in the requirements for loans. In addition to the above five basic materials, the bank may require the borrower to supplement some other supporting materials.

Whether it is a commercial loan or a provident fund loan, the materials that need to be provided are roughly the above six items. The borrower should be prepared before handling it, so as not to omit it, so as not to affect the handling of the mortgage. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate.

1. Information that the borrower needs to provide when handling commercial loans:

1) My household registration book, ID card or other valid proof of residence;

2) proof of occupation and income;

3) Relevant certification materials such as purchase contract or letter of intent;

4) Proof that the down payment accounts for 30% of the house price;

5) Other materials required by the bank agency.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

How to borrow a business loan?

1. Submit the application and materials. Whether the submitted materials are complete or not is the most important step in the commercial loan process.

2. The bank is under investigation. After receiving the loan application materials, commercial banks will review the materials and supplement some information according to the requirements of the situation during the investigation. Therefore, during this period, users had better reduce business trips and keep in touch with the bank.

3. Bank verification and approval. The borrower's qualification (whether personal credit has a bad record and whether he has repayment ability) is the most critical step in the process of commercial loan. If the credit is not good, it will directly lead to the failure of loan application, so the accumulation of ordinary personal credit is very important. Both parties shall go through relevant formalities. After the bank notifies that the loan is approved, it should open an account, apply for a savings card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. It is worth noting here that when signing a contract and handling the guarantee procedures, you must know the detailed rules in the contract in detail, clarify your rights and obligations, and avoid unnecessary conflicts.

4. Banks issue loans. The bank will release the loan finance to the developer's account, and the bank or the developer will notify to collect the relevant documents and repay the loan according to the regulations. It is worth noting that you can get the loan contract, repayment details and repayment account card and start repayment according to the specified date.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

What materials do I need to apply for a commercial loan?

Provide materials

1, personal loan application form;

2. The borrower's ID card and household registration book (the property belongs to * * *) are owned by the husband and wife, and some of them need to provide marriage certificates;

3. Commercial housing sales contract;

4. proof of down payment;

5 proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). ); (6) mortgage certification documents;

7. Other materials required by the bank.

Extended data

Application conditions

1, the identity is legal and valid.

2, must have a stable and legitimate economic income, can provide the corresponding income and assets.

3. Natural persons with full capacity for civil conduct have no bad credit records.

4. Sign a valid purchase contract or purchase agreement with the seller.

5. Pay the down payment according to the specified proportion (generally not less than 30% of the total price of the purchased house) or deposit a deposit not less than the down payment in the loan bank.

6. Lender's age 18-65 years old, and different ages have different restrictions on the loan term.

7. Other conditions stipulated by the lending bank.