The information required for mortgage loans is as follows:
1, three originals and photocopies of the ID card and household registration book of the applicant and his spouse.
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of family income and related assets of the lender applying for mortgage, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Extended data:
Conditions for purchasing a house with provident fund loan:
First, the conditions for applying for provident fund loans to buy a house
According to the Regulations on the Administration of Housing Provident Fund, the conditions for citizens to apply for provident fund loans are as follows:
First of all, the housing purchased by the applicant must be self-occupied, have a permanent residence in this city or a valid identity document, and have paid the housing provident fund normally for six consecutive months before applying for a loan.
Secondly, the applicant has a stable economic income and no bad credit record. The first suite must pay a down payment of 30% of the house price, and the house below 90 square meters can pay a down payment of 20%. He has the ability to repay the loan according to the regulations. He must also have proof of housing registration information issued by the housing security bureau of the place where the provident fund is paid and the place where the house is purchased.
Finally, the guarantor recognized by the customer provides phased guarantee before the house mortgage takes effect, and the purchased house is used as mortgage. Of course, the buyers who apply for housing provident fund loans are temporarily limited to parents and adult immediate children.
Second, you need to pay off the first home loan before you can apply for a provident fund loan.
Unlike applying for a commercial loan to buy a second home loan, applying for a provident fund loan to buy a second home must meet certain conditions, otherwise it will not be accepted.
Citizens applying for provident fund loans to buy a house, if it is a second suite, must pay off the provident fund loan for the first suite, and the down payment ratio for the loan to buy a second suite shall not be less than 60%. In addition, according to the regulatory policy, the loan interest rate will also rise by 10%.
Housing provident fund loan process
first step
Application: The lender shall provide the information required for the loan to the provincial provident fund management center as required.
Second step
Banks conduct credit investigation and loan approval. No matter how you choose to buy a house with a loan, this step is inevitable and it will take some time.
Third step
Signing a loan contract: the lender goes to the bank to go through the formalities of signing a loan contract with relevant information.
Fourth step
Go through the formalities of housing property insurance and mortgage registration: loans must go through the formalities of insurance and mortgage registration.
Step five
Loan transfer: After confirming that the mortgage registration has been completed and the loan contract has come into effect, the loan undertaking bank will transfer the loan to the account designated by the borrower and the borrower on the date agreed in the contract, and send the loan receipt to the borrower.
Step 6
Loan recovery: From the following month, the lender shall repay the loan as agreed in the loan contract.
Step 7
Loan settlement and cancellation: after the lender pays off the loan principal and interest, the bank will issue a loan settlement certificate and go through the mortgage registration and cancellation procedures.
References:
Baidu encyclopedia-loan to buy a house