When buying a house with a loan, the bank will review the credit status, repayment ability, loan qualification and transaction facts of the loan family, and make a comprehensive evaluation of the customer.

When a married family buys a house, when applying for a loan at the bank, both husband and wife must go to the bank to apply and cannot be notarized.

To apply for a loan in a bank, you need to provide the following materials:

(1) identification: husband and wife's ID card, household registration book, marriage certificate (minor children's ID card, household registration book).

(2) repayment ability: proof of income, running in the bank (fixed income, salary, bonus, reimbursement in the past six months, etc.). )

(3) Transaction facts: sales contract, deposit receipt, transfer voucher, credit card receipt, down payment supervision card.

(4) Supplementary materials: the loan settlement certificate that the loan has been paid off in the past month is required.

2. Can I apply for a loan in the bank with my household registration book, my personal seal and a copy of my ID card?

It depends on your overall credit certificate. If you are asking if you can do it without the original ID card, it depends. In most cases, this is impossible.

3. Why do my husband and I need a copy of my dad's household registration book for a loan to buy a house?

Search: Why do my husband and I need a copy of my dad's household registration book when we borrow money to buy a house?

Fourth, why should a bank mortgage provide a household registration book?

Bank mortgage provides the household registration book, mainly for double insurance. If you can't repay the loan, the bank can find the owner.