The information required for ICBC's provident fund loan is:

1, legal identity documents (resident identity card, household registration book, passport or other valid residence documents);

2. The account number of housing provident fund and the name and seal of the borrower;

3, legal and effective purchase, construction, renovation or overhaul of their own housing contracts or agreements and related information;

4. Proof of down payment for housing purchase or self-financing for housing construction, renovation and overhaul;

5, the use of both husband and wife loan line, must have a spouse housing provident fund account, ID card and a copy, marriage certificate or other proof of husband and wife relationship;

6 other information required by the local housing provident fund management center and the loan bank.

What are the conditions and procedures for handling ICBC mortgage loans?

First, the conditions for handling personal housing mortgage loans in ICBC are:

1, with legal and valid identification;

2, stable income, good credit, with the ability to repay the loan principal and interest on schedule;

3. The procurement contract has been signed in accordance with relevant regulations;

4. There is a legal and effective guarantee recognized by the lender;

5. Have the down payment ability.

6. Other conditions stipulated by the lender.

Note: Residents from other provinces and cities can apply for personal housing mortgage loans as long as they can provide valid residence certificates, income certificates of their work units and other relevant information.

Two. Information to be provided when applying for mortgage:

1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

After applying for mortgage loan, the risk of rejection in two mortgage is still very high. Because banks generally refuse to lend when they know that borrowers are under great repayment pressure. However, the borrower can prove that he still has a high income source in the future, can repay all the loans on time, and can continue lending with the approval of the bank auditor.

References:

ICBC Mortgage-Baidu Encyclopedia

What are the contents of China Industrial and Commercial Bank's personal housing loan application approval form?

Just fill in the required items and make sure that the most basic ID number, mobile phone number, address, income and other items are filled in correctly. \ x0d \ x0d \ Personal housing mortgage loan means: (1) Transfer mortgage, that is, during the repayment period, borrowers who have applied for personal housing loans in ICBC or other banks (including first-hand houses and second-hand houses) need to transfer their property rights and mortgage loans to the transferee at the same time, and ICBC will continue to handle mortgage loans for the transferee. (2) Mortgaging, that is, the borrower transfers the personal housing mortgage loan handled in other banks to ICBC; (3) Other types of mortgages, that is, applications for changing the borrower's business due to gifts, inheritance, divorce and other reasons. \x0d\\x0d\ Personal housing plus mortgage loan refers to the loan for housing purchase and family consumption granted to ICBC's existing personal housing loan customers (including first-hand and second-hand buildings) with the original loan collateral as the guarantee. Plus according to the general should be handled by the original loan handling bank. \x0d\\x0d\ Mortgage loan of existing home for individual housing refers to the business that the borrower applies for a loan from the bank with the commercial house (existing home, for which the real estate license has been issued) with full property rights as collateral for the purchase of housing and family consumption. \ x0d \ x0d \ ICBC individual housing loan application procedure: \ x0d \ x0d \ 1. Loan application procedure: \ x0d \ x0d \ 1. After receiving your loan application and required documents, ICBC staff will conduct investigation and verification according to the working procedures stipulated by the bank. \x0d\ 2。 If your loan application is approved, ICBC staff will inform you to go through the insurance and notarization procedures at the designated time and place, and sign the Individual Housing Loan Contract or the Individual Housing Guarantee Loan Contract. After the mortgage registration formalities are completed, fill in the IOU and issue the loan. Insurance procedures can be handled by banks. \x0d\\x0d\ II。 The materials that the borrower should provide when handling the personal housing loan of ICBC: \ x0d \ x0d \( 1) The materials that the borrower should provide \ x0d \1,the application form for personal housing loan of China Industrial and Commercial Bank \x0d\ 2, and the identity document (including residents) 3. Income certificate issued by the borrower's work unit or other proof of the ability to repay the loan principal and interest on schedule (including personal passbook, tax payment certificate, stock list, national debt, real estate license, etc.). ）\x0d\ 4。 Original house sales contract. \x0d\ 5。 Invoice and proof of down payment. \x0d\ 6。 A notarized document issued by the co-owner of the mortgaged property and pledged property agreeing to mortgage and pledge. \x0d\ 7。 Entrusted deduction agreement. \x0d\ 8。 Original housing insurance policy with the bank as the first beneficiary. \ x0d \ x0d \ (II) Information to be provided by the second-hand housing mortgage seller \x0d\ 1. ID card, household registration book and spouse ID card of the seller (including the co-owner of the house); \x0d\ 2。 Property certificate of the commercial house sold; \x0d\ 3。 Property appraisal report issued by appraisal company; \x0d\ 4。 If the house has been rented out, it is also necessary to provide proof of consent to move; \x0d\ 5。 If the seller is an enterprise legal person, it must provide valid business license of enterprise legal person, certificate of legal representative, resolutions of the board of directors and other relevant documents. \ x0d \ \ x0d \(3) The seller of the sub-mortgage business shall provide the following information \x0d\\x0d\ 1, and the real estate license; (Copy, not required for ICBC's personal housing loan business); \x0d\ 2。 ID card and household registration book of the seller (if there is a co-owner, the ID card and household registration book of the co-owner and a written statement that the co-owner agrees to sell); \x0d\ 3。 The leased house shall be provided with the lease and a written agreement reached through consultation between the lessee and the buyer and seller; \x0d\ 4。 Original house purchase loan contract; \x0d\ 5。 The original application for housing loan is converted into a list of principal and interest owed on the same day; \x0d\ 6。 Repayment of individual housing loans in the last three months; Bank statement; \x0d\ 7。 If the seller is an enterprise legal person, it shall provide valid business license of enterprise legal person, certificate of legal representative (if there is a client, the client shall issue a power of attorney and an ID card), articles of association, resolutions of the board of directors and other relevant documents; \x0d\ The seller who handles the foreclosure loan also needs to provide: (the legal person will not accept the foreclosure loan for the time being); \x0d\ 8。 China Industrial and Commercial Bank personal housing (foreclosure) loan application approval form; \x0d\ 9。 Real estate sales contract or agreement; \x0d\ 10。 The mortgage guarantee contract signed with Shenzhen Real Estate Guarantee Co., Ltd. (hereinafter referred to as the guarantee company) (foreclosure); \x0d\ 1 1。 An application form for individual housing loan guarantee (provided by the guarantee company); \x0d\ 12。 Power of attorney for mortgage loan transfer; \ x0d \ x0d \(4) Individual plus mortgage borrowers shall submit the following materials: \x0d\ 1. China Industrial and Commercial Bank Personal Housing Loan Application Form; \x0d\ 2。 Legal and valid ID card; \x0d\ 3。 Original individual housing loan contract; \x0d\ 4。 Documents certifying the appraisal of the house by the real estate appraisal agency recognized by the lender; \x0d\ 5。 Proof of income or relevant documents that can prove the borrower's repayment ability, such as tax payment certificate, lease, stocks, bonds, certificates of deposit, etc. ; \ x0d \ \ x0d \(5) The borrower of the existing mortgage loan for individual housing shall submit the following materials: \x0d\ 1. Real estate license; \x0d\ 2。 ID card and household registration book (if there is a co-owner, the ID card and household registration book of the co-owner and the written statement of the co-owner agreeing to mortgage shall be provided); \x0d\ 3。 If the mortgaged house has been rented, a lease agreement and a written agreement reached through consultation between the lessee and the borrower shall be provided; \x0d\ 4。 China Industrial and Commercial Bank's application form for mortgage loan of existing home for individual housing (attachment 1)\ x0d \ 5. Proof of income or relevant documents that can prove the borrower's repayment ability, such as tax payment certificate, lease, stocks, bonds, certificates of deposit, etc. ; \x0d\ 6。 Appraisal report of the house by the real estate appraisal institution recognized by the lender; \x0d\ 7。 Relevant loan use certification materials \x0d\x0d\ charging standard \ x0d \ loan interest is charged according to the relevant provisions of the interest rate policy of the People's Bank of China. In case of national interest rate adjustment during the loan period, it shall be implemented in accordance with state regulations. \ x0d \ x0d \ Warm reminder \x0d\ 1. Borrowers from Hong Kong and Macao must provide a certificate on the identity, occupation, income and address of the borrower issued by a local law firm qualified to handle notarization business in Chinese mainland. \x0d\ 2。 The maximum loan ratio of the first-hand building personal housing mortgage loan is 80%, and the longest mortgage period is 30 years; The maximum mortgage ratio of first-hand commercial housing is 60%, the longest mortgage period is 10 year, and it must be an existing house; The maximum mortgage ratio of second-hand buildings is 60%, and the longest mortgage period is 10 year. \x0d\ 3。 Entrusting others to handle mortgage loan business requires a notarial certificate of entrusted mortgage loan issued by the notary office. \x0d\ 4。 Plus the borrower's age and loan period, it shall not exceed 60 years old. \x0d\ 5。 In the process of applying for mortgage loan, you need to pay insurance premium, notarization fee, mortgage registration fee, stamp duty, lawyer's fee and other related expenses according to regulations. .