When making a bank loan, the lender needs to provide marriage-related information, that is, unmarried certificate, marriage certificate, etc. According to the national policy, banks provide funds to those who need funds at a certain interest rate, and agree on economic behavior. Time limit for repayment. Generally, it is required to provide guarantee, house mortgage or proof of income, and make good personal credit information before applying. The credit information system of China People's Bank will also have your marital status. At present, some banks and provident fund centers all over the country will let borrowers fill out the declaration of no spouse. If the borrower intentionally conceals or falsely reports personal information, once it is discovered, it will cancel its loan qualification or force it to recover the loan in advance.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, as well as the nature, currency, use, method, term and risk of the loan. Interest rates of foreign exchange loans are divided into floating interest rates and fixed interest rates. The loan interest rate is indicated in the loan contract, and customers can check it when applying for a loan. There is a penalty interest for overdue loans. The advantages of short-term loans are relatively low interest rates and relatively stable capital supply and repayment. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, due to the fixed interest rate of short-term loans, the interests of enterprises may be affected by interest rate fluctuations.

Application conditions

1. At least 25 years old, with full capacity for civil conduct; And have permanent residency in China or a valid residence certificate.

Secondly, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

5. Other conditions stipulated by the bank.

Generally speaking, if you meet the above conditions, you can apply for a loan from a commercial bank.

Application procedure:

1. Signing the subscription book: the customer signs the subscription book with the real estate development company that signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents.

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;

4. Other legal procedures: the law firm handles insurance, notarization, mortgage registration and collateral filing;

5. Loan issuance: The bank will transfer the loan to the developer's account and notify the customer to start construction and supply.