The materials required to apply for a commercial loan are as follows:

1. Original and photocopy of the ID card and household registration book of the applicant's husband and wife.

2. Proof of marital status.

3. Purchase contract.

4. Invoice or receipt for the down payment of the house.

5. Proof of the buyer's income.

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, with a term of 9 months and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China to provide loans for urban residents to purchase ordinary housing for their own use and to 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.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property guarantee institutions at the end of the statistical period.

Process considerations

1. Submit a loan application: After you sign the 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.

Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months. In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by lending banks should be inquired in detail.

2. Investigation accepted by the bank: After receiving the application materials of the loan applicant, the bank will review the materials. The general review time of 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 qualification and credit status of the borrower, etc. This is an important link in the commercial loan process. If the credit of the loan applicant is bad, 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: after the bank informs the loan applicant that the loan is approved, it is 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. Bank loan: After all 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.

I would like to ask what materials are needed for operating a loan.

The materials required for commercial loans are:

1, identity certificate, household registration certificate and marital status certificate of the loan applicant and spouse.

2, the loan applicant and spouse's work certificate, income certificate and other information.

3, purchase contract, down payment invoice, commercial housing sales record certificate and other information.