Generally speaking, applicants need to provide the following materials:

(1) The borrower's valid identity document.

(2) Proof of the borrower's occupation and income

(3) Proof of loan use

(4) social security card

(5) Bank flow

You can look at the following loan terms for your reference:

1, sanbao loan

The three operating economic entities are linked by their respective industrial and commercial certificates, guarantee each other and lend money to banks;

Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses;

2. Mortgage loan

Taking real estate as a mortgage loan means taking real estate (real estate) as a mortgage and applying for a loan for a lender with a business enterprise (industrial and commercial license).

Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report;

3. Primary housing mortgage loan

If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.

The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.

Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.

4. Second-hand housing mortgage loan

If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.

Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.

What information do I need to apply for a commercial 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.

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 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, which provide loans for urban residents to purchase ordinary housing for their own use and 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 right guarantee institutions at the end of the statistical period.

Process considerations

1. Submit a loan application: When you have signed a 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 loan 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 for 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 process of commercial loans. If the credit of the loan applicant is not good, 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: the bank informs the loan applicant that after 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 transfers the loan funds to the account of the real estate developer, and the loan relationship is established, and the lender repays the loan according to the regulations.

What materials do I need to apply for a commercial loan?

Provide materials

1, personal loan application form;

2. The borrower's ID card and household registration book (the property belongs to * * *) are owned by the husband and wife, and some of them need to provide marriage certificates;

3. Commercial housing sales contract;

4. proof of down payment;

5 proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). ); (6) mortgage certification documents;

7. Other materials required by the bank.

Extended data

Application conditions

1, the identity is legal and valid.

2, must have a stable and legitimate economic income, can provide the corresponding income and assets.

3. Natural persons with full capacity for civil conduct have no bad credit records.

4. Sign a valid purchase contract or purchase agreement with the seller.

5. Pay the down payment according to the specified proportion (generally not less than 30% of the total price of the purchased house) or deposit a deposit not less than the down payment in the loan bank.

6. Lender's age 18-65 years old, and different ages have different restrictions on the loan term.

7. Other conditions stipulated by the lending bank.