2. Copy of identity documents (resident identity card, household registration book, military officer's card, overseas and foreign natural persons who have the right of abode in Chinese mainland, passports, family visiting cards, home visiting cards and other residence certificates or other identity documents).

3, issued by the relevant departments recognized by the handling bank loan applicant's stable income certificate or other proof of solvency.

4, the legal purchase (overhaul) of housing contracts, agreements and related approval documents.

5. List of rights of collateral or pledge and ownership certificate, certificate of consent to mortgage or pledge issued by the person with disposition right, and collateral evaluation report issued by the evaluation agency recognized by the loan bank.

6. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor.

7. Securities pledged by the loan applicant to the loan bank, such as certificates of deposit of China Construction Bank and voucher-type government bonds.

8, the loan applicant to buy (overhaul) housing self-financing related proof.

Influencing factors of commercial loan to buy a house

1. The repayment ability of the lender affects the loan life.

When issuing loans, the bank will review the borrower's income to ensure that the borrower's monthly income is enough to repay the monthly mortgage. Generally, the monthly payment cannot exceed 50% of the income.

2. The age of the lender will also affect the loan term.

When applying for a mortgage, the age of the borrower is an important audit factor. Require the borrower's age and loan period not to exceed 65 years, otherwise it will not be accepted. The younger the borrower is, the longer the loan period he can apply for. If you are over 40 years old, the longest loan period can only be less than 25 years.

The purchased house is too old for long-term loan.

The age of the house is also an important factor for the bank to determine the loan term, especially when buying a second-hand house, the bank will comprehensively calculate the loan term according to the remaining ownership time of the house. If the house is too old, it may not be available for the longest period.