Housing prices in many areas are relatively high, so many people choose loans to buy a house in order to alleviate the pressure brought by buying a house. Lenders should first make a good loan strategy to prevent repeated bank loans. So what information do you need to apply for a loan? Let's take a look with Bian Xiao.
1. What information do I need to apply for a loan?
1. Loan application; 2. Valid identity documents of the lender such as ID card and household registration book; 3. Proof of the marital status of the lender, such as the single certificate of a single or divorced person and the spouse identity certificate of a married person; 4. The lender's income certificate and tax payment certificate; 5. House down payment certificate; 6. Purchase contract and loan use information; 7. If the house is occupied by * * people, the * * people shall provide ID cards and other information; 8. Other relevant materials required by the lending bank.
2. What are the loan procedures?
1. Apply for a loan from the bank first, and then prepare the materials needed for the loan. Under normal circumstances, the bank's approval time is about half a month.
2. After the loan application is approved, the lender should ask the staff when the loan can be released, and only after the loan release time is determined can the transfer be handled. When paying the down payment, you must apply for the down payment at the loan bank. If the down payment is made in other banks, the lending bank will not recognize it.
3. Then you can sign a loan contract with the loan bank, pay various fees, and handle mortgage and insurance at the same time. When signing a contract with a bank, we should pay attention to the terms in the contract. If you find any problems, you should communicate with the bank staff in time to solve them and better safeguard your rights and interests.
After the loan contract is signed, the bank will lend money. When making a loan, remember to ask the bank for your loan contract and loan bill. If it is a second-hand house, there are insurance policies, evaluation books, etc. At the same time, two copies of the real estate license shall be affixed with the official seal of the bank to facilitate the needs of relevant departments in the future.
Weaving summary: the above is the relevant explanation of what information is needed for the loan, hoping to bring help to friends.
What materials do I need to apply for a loan at the bank?
I. Information
Information to be provided by the borrower
1, ID card 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 the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
The seller shall provide materials.
1, husband and wife's ID card, household registration book and marriage certificate (marriage certificate or single certificate)
2. Real estate license
Second, the significance
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
Third, the application conditions
Borrower's requirements
1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed);
2. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
3. The borrower's actual age plus the loan application period shall not exceed 70 years old;
Extended data:
1, credit line
The credit line is the maximum amount that borrowers are allowed to borrow in the agreement signed between borrowers and banks.
2. Revolving credit agreement
Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.
3. Compensatory balance
The compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).
What information do you need for a loan?
The materials to be provided for the loan include:
(1) identification: the original and photocopy of the ID card are required (the spouse is required for married people). Temporary id card can also be used if the ID card is lost or the original cannot be used for other reasons.
(2) Hukou book: Hukou book needs a home page and a corresponding page, and Hukou book needs to be stamped with a fresh stamp (issued by the police station or unit where the household registration is located) and is within the validity period.
(3) Marriage certificate: one of marriage certificate, divorce certificate (divorce agreement is provided according to the requirements of different lending institutions), divorce mediation or divorce judgment, and single certificate (notarized by notary office). The reason why a marriage certificate is needed is because both husband and wife sign the loan (with the same repayment responsibility); If the borrower is divorced, in order to avoid disputes over property disposal, it is required to provide relevant judgments after divorce (such as who was awarded the house and car); Because of unmarried, divorced, widowed, etc. They are all called singles. Lenders require singles certificates to find out the borrower's assets.
(4) proof of residence: generally, you need to apply for a residence permit (in some places, temporary residence permits), or provide proof of payment of utilities, gas, communication and property management fees for nearly 3-6 months, or provide the bank credit card billing address for nearly 3 months.
(5) Work certificate: Without a stable job, it is generally difficult to get a loan (except collateral). Lenders will provide proof of work materials, borrowers only need to fill in relevant information, and then let the unit affix a fresh seal. If the unit or company has a work permit, it can also be prepared. In addition, business owners or self-employed individuals are required to provide the original and photocopy of their business licenses. Of course, some freelancers are unable to prepare this material. At the same time, it is necessary to provide materials that meet the loan conditions. : loan terms:
1, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.
3. Good credit record and no bad credit record.
4. It can provide legal and effective guarantee recognized by the bank.
5. Other conditions stipulated by the bank.
Personal credit information is very important when handling commercial loans. If there is a record of three consecutive months overdue for six months, basically no bank will lend you money. It should be noted that the provident fund loan needs to be paid in full for 12 months, and it is still being paid before applying for the loan. The time from application to lending of provident fund loans is longer than that of commercial loans, so it needs to wait slowly. In addition, in the process of buying a house with a loan, if you encounter any problems, you can seek help from the property consultant in time. Proof of income The proof of income should cover twice the liabilities in the name of the individual, and the month of bank flow should be issued according to the requirements of specific banks. Small businesses may need to provide a copy of their business licenses.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.