No, the loan information that banks need is mainly the flow of income. The general loan preparation materials are the running water of the savings card prepared by the loan applicant.
Materials to be prepared for purchasing real estate with mortgage loan:
1, husband and wife residence card and household registration book;
2. Two copies of marriage certificate/divorce certificate or judgment/single certificate;
3 proof of income (in the format stipulated by the bank);
According to the copy (stamped)
5. Credit certificate: including academic performance, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Conditions to be met in purchasing real estate by mortgage loan:
1. China residents aged 18-65 with permanent residence or valid residence status in local towns.
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on time.
3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the price of the purchased house basically conforms to the evaluation value of the bank or the bank;
6. Other conditions stipulated by the bank.
Mortgage loan purchase process:
1. If buyers want to get mortgage services, they should pay attention to this aspect when choosing real estate. In order to ensure the smooth access to mortgage loans, buyers learned in advertisements or through the introduction of sales staff that some projects should be confirmed step by step whether the real estate developed and built by developers has bank support.
2. After confirming that the property you choose has bank mortgage support, the buyer understands the bank's regulations on the buyer's mortgage loan support, prepares relevant legal documents, and fills in the mortgage loan application form.
3. The bank receives the relevant legal documents of the mortgage application submitted by the buyers, and after examining and confirming that the buyers meet the mortgage loan conditions, it issues a loan consent notice or a mortgage loan commitment letter to the buyers. Property buyers signed the "pre-sale of commercial housing,
4. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and defines the rights and obligations such as interest rate and repayment method.
5. Property buyers, developers and banks shall go through mortgage registration and filing procedures with the real estate management department on the basis of the housing mortgage loan contract and the purchase contract. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal 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. Managed by the bank.
6. The buyer signs the house mortgage, the gold account designated by the bank, and signs the power of attorney, authorizing the institution to pay the bank's loan principal and interest, arrears and mortgage loan contract from the account. The bank confirms the payment terms and fulfills the obligations stipulated in the Housing Mortgage Loan Contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.
I have a current account in the credit cooperative bank. Can I get a loan?
Can do it.
3. Can I get a loan with a credit card running account?
I am a financial practitioner. At present, loans are mainly determined by personal credit records and repayment ability. Credit records can be retrieved from the central bank, and the repayment ability is mainly determined by income, and some of them can use other assets or income such as real estate, deposits, funds and stocks. The so-called running water generally refers to the running water of income, which can accurately show your own income level. So most of them use savings cards to run water. Whether the specific credit card can be processed needs to consider the evaluation method of financial companies.
thank you
4. Can I apply for a credit card or loan with my ID number and name?
You can't apply for a credit card or loan just by your ID number and name.
You need the original ID card and some other information.
Materials to be prepared for the loan:
1. Lender ID card;
2. The credit information of the lender in the past six months, and the credit information is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. Lender's residence certificate (rental contract, real estate license, water, electricity and gas invoices for the last three months)
5. Income certificate issued by the lender's work unit.
The simple and popular understanding of loan is to borrow money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.