Housing prices in many areas are relatively high, so many people choose loans to buy a house in order to alleviate the pressure brought by buying a house. Lenders should first make a good loan strategy to prevent repeated bank loans. So what information do you need to apply for a loan? Let's take a look with Bian Xiao.
1. What information do I need to apply for a loan?
1. Loan application; 2. Valid identity documents of the lender such as ID card and household registration book; 3. Proof of the marital status of the lender, such as the single certificate of a single or divorced person and the spouse identity certificate of a married person; 4. The lender's income certificate and tax payment certificate; 5. House down payment certificate; 6. Purchase contract and loan use information; 7. If the house is occupied by * * people, the * * people shall provide ID cards and other information; 8. Other relevant materials required by the lending bank.
2. What are the loan procedures?
1. Apply for a loan from the bank first, and then prepare the materials needed for the loan. Under normal circumstances, the bank's approval time is about half a month.
2. After the loan application is approved, the lender should ask the staff when the loan can be released, and only after the loan release time is determined can the transfer be handled. When paying the down payment, you must apply for the down payment at the loan bank. If the down payment is made in other banks, the lending bank will not recognize it.
3. Then you can sign a loan contract with the loan bank, pay various fees, and handle mortgage and insurance at the same time. When signing a contract with a bank, we should pay attention to the terms in the contract. If you find any problems, you should communicate with the bank staff in time to solve them and better safeguard your rights and interests.
After the loan contract is signed, the bank will lend money. When making a loan, remember to ask the bank for your loan contract and loan bill. If it is a second-hand house, there are insurance policies, evaluation books, etc. At the same time, two copies of the real estate license shall be affixed with the official seal of the bank to facilitate the needs of relevant departments in the future.
Weaving summary: the above is the relevant explanation of what information is needed for the loan, hoping to bring help to friends.
What information do you need to apply for a loan
Judging from the current housing prices, it is difficult for us to buy a house in full, especially for most young people who have just entered the society and have little money at work. Loans have become the first choice for people to buy a house. So, what information do you need to apply for a loan? What are the procedures for handling loans? Let's take a look with Bian Xiao.
1. What information do I need to apply for a loan?
1. Identity cards of the applicant and spouse, and the original and photocopy of the household registration book in three copies. If the applicant and spouse are not in the same household registration, a separate marriage certificate is required.
2. The original house purchase agreement, the original and a copy of the receipt for prepayment of 30% or more of the house price.
3. The applicant's family income certificate, as well as related assets, including salary table and personal income tax table, as well as income certificate and bank deposit certificate issued by the unit.
4. The developer's collection account number.
Second, the process of handling mortgage loans.
1, the first thing is to sign a house sales contract, but this is an intentional contract. Don't transfer the ownership yet, pay the down payment first. As for the down payment, it depends on the conditions discussed with the landlord.
2. Submit a loan application to the bank. If the materials are incomplete or additional materials need to be provided after the bank accepts the application, the examination and approval will take at least two weeks.
After the bank is approved, you can handle the transfer and pay the down payment. Then sign a loan contract with KINOMOTO SAKURA and pay the fee. When signing a contract, you should read the terms carefully to avoid loopholes.
4. The bank will lend money only after the mortgage and insurance procedures are completed. After lending money, you need to ask the bank for a loan contract and an iou. If it is a second-hand house, there are insurance policies and evaluation books.
Editor's summary: What information do you need to apply for a loan? What are the procedures for handling loans? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.
What materials should I prepare to apply for a loan?
Special attention: All buyers and their spouses who signed the loan contract must be present (except children under 18). 4 copies of all materials except the original. Original and photocopy of the ID card of the lender's spouse and * * * buyer (ID card includes: ID card, blue-printed household registration, foreign population, residence permit, military officer's card and other valid documents. ). If there is no child's birth certificate, the original and photocopy of the household registration book of the borrower's spouse and roommate shall be used instead of the household registration certificate issued by the police station. Marriage certificate: married person, provide the original and copy of marriage certificate. If the marriage certificate is lost, please go to the Civil Affairs Bureau to reissue it. Unmarried person: provide the original civil affairs bureau single certificate or fill in the bank single certificate on site. Divorced person: provide divorce certificate or judgment, and the unit or street provides single certificate. The elements of proof of income can be in the format of China Construction Bank or issued by the unit. Original and photocopy of the invoice for down payment of 30%, CCB savings card (the borrower himself), and private seals of the property owner, spouse and owner. . Apply for portfolio loans, should provide both husband and wife's provident fund account number. That's basically it,,,
This concludes the introduction of loan materials and various materials needed for loans. I wonder if you have found the information you need?