If you apply for the "ideal home" personal housing mortgage loan business. In China Bank, the account manager should instruct the applicant who applies for a loan from our bank to fill in the loan application form and other relevant materials. At the same time, the loan application materials that the customer should provide to our bank include the existing property with clear property rights and the relevant materials of the property to be purchased. Among them, the application materials to be provided for the proposed purchase of real estate include the purchase contract or letter of intent, deposit receipt and other materials required by the Bank; The application materials for the existing real estate with clear property rights include the certificate of the house to be replaced, the certificate of the house ownership, the house appraisal report and other materials required by the bank. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
What information do I need to apply for a housing mortgage loan?
Information to be provided by the buyer of housing mortgage loan
1. ID card (husband and wife) and temporary residence permit (migrant population)
2. Household registration book (both husband and wife)
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate)
4 proof of income or solvency (issued by the unit)
5. Copy of business license stamped with the official seal of the unit (produced by the unit) and academic certificate (provided by junior college or above)
6. Current passbook of the applicant's loan bank
7. Other materials required by the bank.
Information to be provided by the seller of housing mortgage loan
1. ID card (husband and wife) and temporary residence permit (migrant population)
2. Household registration book (both husband and wife)
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate)
4. Proof that the spouse and * * * someone agree to sell (fixed format)
5. Real estate license
6. For the sale of purchased public houses, centralized delivery of houses, affordable housing and relocated houses, the purchase contract, original agreement, relevant approval documents and other materials required by the bank shall be provided.
What materials are needed for bank mortgage loan?
1, applicant's personal identity card or household registration book.
2. The applicant's income certificate and work certificate must be stamped with the official seal of the unit.
3. Proof of the applicant's marital status, such as marriage certificate and divorce certificate. Single people need to provide single proof.
4. If the down payment is collected, the down payment shall not be less than 30% of the total house price.
5. Purchase contract or agreement.
6. Other materials required by the bank.