Basic loan information: copy of household registration book, copy of ID card, proof of marital status (marriage certificate, divorce certificate or unmarried certificate), copy of real estate license, original proof of personal work income (rent collection, dividend certificate, personal passbook details (cash flow and salary passbook in the last three months), details of existing loan contribution passbook, spouse ID card of married people and copy of household registration book.
Self-employed individuals need business licenses, tax registration certificates, and copies of tax bills and statements for the last three months.
purchase contract
Copy of the landlord's ID card, copy of the household registration book, copy of the collection account number, information of the owner's spouse, and receipt of the down payment (the bank loan is directly credited to your landlord's account).
After the bank approves the loan, it takes the contract and the information returned by the bank to the Housing Authority for transaction transfer and mortgage procedures, and the bank lends money. (Some banks need to witness the entry and exit of housing management, that is, they should go there to sign together. )
When you apply for a loan, you'd better find a professional mortgage company to handle your loan procedures, because many banks don't do it directly with customers now, so it is generally recommended to find a mortgage company, which will be faster and save a lot of trouble.