1, identity document;
2. Proof of the borrower's repayment ability;
3. Legitimate and effective purchase (construction, overhaul) contracts, agreements or (and) other approval documents;
4. proof of down payment;
5. Loan guarantee materials;
6. Other documents and materials specified by the lending bank.
Second, the handling process
1. loan application: the customer fills in and submits the application form and application materials designated by CCB.
2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
3. Loan approval: CCB approves loans.
4. Signing: After the customer's loan is approved, sign a loan contract with CCB.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Customer repayment: the customer repays the loan on time as agreed.
7. loan settlement.
Extended data:
Matters needing attention
After signing the house purchase contract and obtaining the payment voucher, the buyer who signed the house mortgage contract with the developer and the bank agreed on the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan in legal documents.
For mortgage registration, insurance buyers, developers and banks go to the real estate management department for mortgage registration and filing with the Housing Mortgage Loan Contract and the purchase contract.
If the house is delivered in advance, the mortgage registration shall be changed after completion. Because the mortgage loan term is relatively long, banks require buyers to apply for personal insurance and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
China Construction Bank-Personal Housing Loan