1. Ask the seller to provide:
1. Original and photocopy of real estate license.
2. Original and photocopy of ID card.
3. The original and photocopy of the house purchase agreement.
4. The original and photocopy of the household registration book.
5. If you are married, you need to provide the original and copy of the marriage certificate.
6. Married people need to provide opinions that some people agree to sell.
Secondly, the buyer needs to provide:
1. Original and photocopy of ID card.
2. The original and photocopy of the household registration book.
Because the information provided by both parties is the same, the transfer cannot be made.
Only when the accounts of the buyer and the seller are not together (of course, the bank card cannot be related) and the bank can't find you and your immediate family, can you borrow money to trade this house. Between immediate family members, if they choose loans for real estate transactions, banks will think that they are suspected of defrauding loans. Therefore, immediate family members cannot borrow money to buy a house, and banks will not approve loans.
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Extended data:
Letter of credit clause
1. has legal residence status;
Second, have a stable occupation and income;
Three, have the ability to repay the loan principal and interest on schedule;
Four, the assets recognized by the loan bank are mortgaged or pledged, or (and) there are guarantors who meet the requirements for their guarantee;
Five, there is a contract or agreement for the purchase of housing;
Six, when applying for a loan, there are not less than 30% of the funds needed for the purchase of houses in the Construction Bank; If the advance payment has been paid to the selling unit, the original and photocopy of the payment receipt are required.
7. Other conditions stipulated by the lending bank.
References:
Baidu encyclopedia-house loan