First, the applicant's conditions

1. Identity cards of both husband and wife of the borrower (original and two copies)

Loans to individual housing buyers

2 household registration book (one original)

3. Marriage certificate (original and photocopy)

If you are unmarried, you need to fill in the declaration of unmarried, and our bank will keep the original.

5. Divorced or widowed persons are required to provide divorce certificates or agreements, judgments and spouse death certificates (one original and one copy each).

6. A copy of the property right certificate of the complete set of houses actually owned by the family members (including the borrower, spouse and minor children) who intend to purchase the house.

Second, the loan procedure

(1) loan application: submit the materials required for the bank to apply for individual housing loan;

(2) Signing a contract: After the customer's application is approved, sign a housing loan contract with the bank;

(3) Loan issuance: when the conditions are met, the bank will issue loans according to the contract;

(4) Customer repayment: the customer repays on time as agreed in the contract;

(5) Post-loan service: customers enjoy new products and value-added services provided by banks. "