First, the mortgage consumer loan process:
(1) Application conditions:
1, nature of the house; Residential, office buildings, villas, commercial housing, cost housing, affordable housing (for affordable housing
Strict) and clear property rights within 20 years;
2. Mortgagor or borrower (normal age 18-65 years old) and in good health;
3. The mortgagor or borrower has no fatigue for three consecutive months in the last 24 months;
4. Other assets (large certificates of deposit, two houses, shares) that the mortgagor or borrower can prove the source of repayment.
Tickets, funds, etc. );
The actual use of funds is clear.
(2) Preparation materials:
1. Original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required);
2. Proof and copy of the borrower's marital status;
3. Copies of family property, car ownership certificate and other assets (house ownership certificate and land use certificate)
Original and photocopy of certificate and deed);
4. Statement of personal main bank account in recent 6 to 12 months (with bank seal);
5, work unit income certificate;
6. Proof materials such as family private loans;
7. Evaluation report.
Second, the housing mortgage loan:
(1) Application conditions:
1. Property: residence, office building, villa, commercial house, cost house, affordable housing (for affordable housing,
Strict requirements);
2. Clear property rights within 20 years;
3. The borrower (normal age: 18-65 years old) is in good health;
4. The borrower's credit investigation in the last 24 months shall not last for 3 consecutive days;
5. The borrower can prove the source of repayment and other assets (certificates of deposit, two houses, stocks and funds).
Wait a minute. );
6. The borrower has a company in Beijing as a legal person or holds more than 30% of the shares;
7. The actual use of funds is clear.
(2) Preparation materials:
1. Original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required);
2. The original and photocopy of the borrower's marital status certificate;
3. Ownership certificates and photocopies of family property and automobile property, and other assets certification materials (house ownership certificate and land).
Original and photocopy of certificate and contract);
4. Statement of personal main bank account in the last 6- 12 months (with official bank seal);
5. Written proof materials such as IOUs for family private loans;
6. Evaluation report;
7.6- 12 month bank statement;
8. Basic information of the enterprise.
9. Original and photocopy of business license certificate/copy;
10. Original and photocopy of organization code certificate;
1 1. Original and photocopy of tax registration certificate (national tax or local tax);
12, capital verification report (individual industrial and commercial households do not need to provide);
13. Copy and password of the loan card (if any);
14. A copy of the identity certificate of the legal representative (if it is the same as the borrower, it is not required to be submitted);
15, the original and photocopy of the property right certificate or lease contract of the business premises;
16. Copy of the Articles of Association (individual industrial and commercial households do not need to provide it);
17, account opening permit;
18, financial reports for the last three years.