When an individual applies for a loan from China Agricultural Bank, the materials to be provided include: the borrower's identity document; Marital status, repayment ability, proof of down payment for house purchase; The legal and valid house sales contract signed by the borrower and the seller is the same; For the borrower, * * * the borrower shall provide identity documents and other relevant supporting documents as required, and fill in the Application Form for Personal Real Estate Loan of Agricultural Bank of China as required; If a qualified borrower mortgages a house other than the house purchased, it shall provide the certificate of real estate rights of the mortgaged property, the identity documents of the owner of the mortgaged property and the owner of * * *, and their written commitment to agree to mortgage; Other information required by the bank.
The maximum amount of personal loans generally does not exceed 80% of the transaction price of the purchased house, and the longest loan period does not exceed 30 years. The process of applying for a loan mainly includes: the borrower applies for a loan and provides relevant information; After the approval of the bank, sign a loan contract with the borrower; Handling insurance and guarantee procedures; Banks issue loans; The borrower repays the loan on schedule.
When individuals need to apply for loans from ABC, they can also inquire or consult ABC's customer service in official website for details, and then handle it.