1. The bank statement must come from the salary card in the applicant's name, and provide the bank transaction statement of the salary card for nearly six months;

2. The running bill should show that the applicant has a fixed income every month, and the borrower's bank running water should be 2 to 3 times the monthly repayment amount;

3. The time for submitting the bank journal is not less than 12 months, and the journal is continuous; Reflected in the running water of the bank, the total income of a family or individual needs to be more than twice that of a monthly loan.

Information needed for buying a house with a loan

1. Married house purchase: ID cards of husband and wife, household registration books of both parties, marriage certificate, income certificate, first-time house purchase certificate (deed tax can be reduced for first-time house purchase), and bank card running list; Unmarried house purchase: ID card, household registration book, single certificate, income certificate, first-time house purchase certificate, bank card running list.

2, bank loans to buy a house: hukou book, some places have restrictions on hukou, local hukou can be bought; Id card, check whether you have had a house before, if it is more than two suites, the down payment will increase and the loan interest rate will increase; Proof of stable income, proving your repayment ability; Marriage certificate, a copy of the marriage certificate is provided by the married person, and the unmarried person provides the unmarried certificate.

3. Buying a house in a foreign household registration: provide one-year tax payment certificate or one-year social security; Provide the materials needed for mortgage loan: income certificate issued by the company and bank running account for half a year.

Housing loan process

1, understand the loan policy.

Property buyers must understand the local loan policies before preparing loans to buy a house, such as the standards of the first and second suites, the minimum loan ratio, the maximum loan amount and so on.

2. Understand the credit information.

Whether the credit information is good or not is related to whether the buyers can get loans smoothly. Therefore, it is best to know their credit information to see if they meet the conditions of the loan, so as to avoid loan failure or limited amount.

Step 3 know the bank

Although different banks implement the same standards, some details may be slightly different.

4. Sign a loan contract

If the buyer meets the loan conditions, after signing the house sales contract with the developer and paying the down payment, the buyer can prepare the loan materials to sign the loan contract. When applying for a loan, the buyer should prepare necessary documents, mainly including: ID card, household registration book, marriage certificate, work certificate, income certificate, house purchase contract and other materials needed by the bank.

Step 5 wait for a bank loan

If a loan contract is not signed, the bank will immediately lend money, which usually requires approval procedures. If you meet the requirements, you can wait for bank loans.